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

I have just travelled back to the USA from XXXX, I was gone for 2 years in which I have been a victim of the TransUnion XXXX glitch in XXXX. I had pulled my report in mid XXXX to have noticed XXXX hard inquires, then I check back recently to see more than XXXX on my report. Which - none of them are mine. 

To my understanding credit inquiries to be removed and then re-inserted ( which were n't mine to begin with ) means TransUnion was in breach of FCRA 611 5 ( b ). 

It is unlawful and in my protection as a consumer to report this activity to higher authorities. I will take lawful action if these hard inquires are not removed. 

The agent on the phone with TransUnion was rude and provided little to no enthusiasm to help despite telling her that I was to be wed soon, and that credit is a big deal to me. 

Nothing happened. I am a victim. 

I feel violated, and my trust abused. 

This phone call transpired XXXX XXXX XXXX XXXX at a direct line : XXXX ( XXXX ) XXXX The inquires I need to be deleted are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : Permissible Purpose : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Requested On : Inquiry Type : XXXX/XXXX/XXXX Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX -- - In addition, I have stayed diligent in my attempts to reach a supervisor to which I was hung up on numerous times. This is n't right. 

My name is XXXX XXXX and I can be reached at ( XXXX ) XXXX - email : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX, ca XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX a Hard Credit Inquiry was placed on my Account without my Knowledge. No creditor information was provided for me to contact the agency.

I believe my Identity has been stolen as this is the 4th invalid/ false inquiry placed in my name in the past 4 weeks.

This Inquiry came from : XXXX/XXXX and it says its a Bank card.

I did not apply for any bank cards and I do not know what or where this bank is. 

This was done without my Authorization and no signature or identity proof. This needs to be removed from my Account Immediately.
Product: Credit reporting or other personal consumer reports

IAM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TODAYS DATE XXXX 
I HAVE NOTICED MANY INCORRECT ADDRESS NAMES AND EMPLOYMENT INFORMATION ON MY CREDIT PROFILE. CORRECT AND UPDATE  THESE ADDRESSES ,NAMES AND EMPLOYMENT NOW .IAM A FEDERALLY PROTECTED CONSUMER  I NEVER PERMITTED THESE ADDRESS.. I ASK FOR MY PROPER ADDRESS TO BE UPGRADED MY ADRESS TO XXXX XXXX XXXX XXXX XXXX XXXX
AND MY NAME TO BE UPDATED TO
CORRECT NAME: 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 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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX  and Account # XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account or transaction information without my written instructions 15 U.S.C. 1681a Section 2 ) Exclusions from a credit report - the consumer report does not include - ( A ) ( i ) reporting of information solely as to transactions ( payments ) or experiences between the consumer ( me ) and the person making the report.

15 U.S.C 1681a ( d ) 1 - It also states that a consumer reporting agency can not communicate any information that determines a consumer 's credit worthiness or credit standing when it comes to be used in determining a consumer 's eligibility when applying for credit for personal purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is Trans Union and XXXX reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
Trans Union and XXXX is reporting the date last active as XX/XX/XXXX and XXXX is reporting it as XX/XX/XXXX. Which date is it? 

Why isn't Trans Union or XXXX reporting any payment history? When was I reported late with Trans Union or XXXX? What was my monthly payment? When was my last payment received for this account? 

This account is completely inaccurate.
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 Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number 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 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: Credit reporting or other personal consumer reports

On all three credit Bureaus my personal information is reporting inaccurately and that's stopping me from getting approved and i have been getting denied for credit in, fact, that is a violation for reporting the wrong social security number for a consumer if you suppose to protect consumers information. There are accounts reporting that i have no knowledge of as well as inaccurate information reporting on an account. By law all three Credit Agencies are supposed to report 100 % accurate, complete, verifiable information. They all have failed to do so. I sent in letters and made multiple calls for all issues to get rectified and handled correctly by law. I need my personal information updated with the correct information and also i need all other accounts to be updated or removed due to inaccuracy and lack of information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information. The account is not verifiable I did not signed any paper work with this company. This account is not valid. 15 usc 1692g, 15usc1692k, 15usc1692e, 15usc1692h, 15usc1692j,15usc1692f. 2. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX this account is reporting false information that's damaging my credit worthiness, I was never late on this account, There has to be some kind of billing error somewhere, Payment history is not accurate. Update this account to being current, never late. XXXX. ) XXXX XXXX XXXX XXXX : XX/XX/XXXX This account is not accurate, this account need to be updated or remove from my report immediately due to the fact i do not recognized any of the information that is reporting, The account is not a written off charge off, if so the debt is canceled from the IRS and it shouldn't be reporting this is fraud and i want it removed immediately. If the account is charge off the debt was filed with an 1099c form. The debt does not exist, Update this account immediately or remove it from report.
Product: Credit reporting or other personal consumer reports

My personal data was leaked in several data breaches. I use XXXX XXXX to monitor my personal information and I was informed that my personal information such as Social Security number, date of birth, name and address were leaked. Also the balance on the credit card accounts could include fraudulent purchase and fees. Per the Right to Privacy Act XXXX USC XXXX my information should have remained secure and never reported on any credit report without my consent. 

The accounts in question are as follows : XXXX XXXX Account # ending in XXXX {$3600.00} XXXX Account # ending in XXXX {$11000.00} XXXX  XXXX Account # ending XXXX {$9800.00}
Product: Checking or savings account

I opened a checking account with Charles Schwab. I deposited {$2500.00} into this checking account. Few days later I recieved my debit card and activated my card. Then suddenly I'm locked out of myy account unable to log in or use my funds. The login page gave me a number to call. I deposited the check on XX/XX/2023. I have been locked out still to this date! I was told the fraud team is investigating it. I have faxed everything they asked for but I'm still locked out! They took my money!! The money is from a court case paying me for my XXXX XXXX I need this money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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

XX/XX/XXXX I mailed a check for {$7000.00} to a finance company for my companies general liability insurance policy coverage. This check was stolen in the mail and cashed by someone who signed the check in the name of " XXXX XXXX '' this was not anything to do with the name of the finance company that the check was made out to. 
I noticed this on XX/XX/XXXX and contacted my bank XXXX XXXX 
Upon not hearing back from XXXX I went to my branch on XX/XX/XXXX to be told that the Declaration of Unauthorized Endorsement or Altered Item i had submitted on XX/XX/XXXX was not signed correctly by me. ( this i find hard to believe tbh ). 
So on XX/XX/XXXX I filled out another Declaration of Unauthorized Endorsement or Altered Item form. On XX/XX/XXXX I reached out to XXXX  as i had heard nothing. 
Now I am told that the check was cashed by Bank of America and they are refusing to acknowledge their error when contacted by XXXX. 
Either way I am out a large sum of money and need your help. 
Many Thanks,
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I noticed a collection account on my credit bureau. I sent a letter to validate the debt to the collection company.I received a postcard back from LJ Ross stating the original creditor name and the date of service of XX/XX/XXXX, they stated the included an itemized statement, but there was no itemized statement. I tried to contact the original creditor and they stated they dont have any information, that I had to deal with LJ Ross . 

That all being said, I have XXXX LJ Ross directly, a handful of times. The most recent call was today XX/XX/XXXX, I spoke with a representative and they were very rude and said they dont have any information or history or agreement with my signature that they can send me to prove what they are trying to collect. She said she was not going to argue with me that I owe the alleged debt and I asked for a supervisor. The supervisor was even more rude, basically stated that she isn't going to go back and forth, and she stated that the balanced is owed and they are not sending me any information and she hung up on me. 

They are violating FCRA and FDCPA laws and if they are reporting an alleged debt on my credit report and they cant provide any proof that I owe this debt, it needs to be removed and all collections need to cease. 

Ive attached my letter I sent them as well as the response they sent me,
Product: Mortgage

I have been trying for 3 weeks to get a transaction history of my mortgage account with Truist back through XX/XX/XXXX. Online data only goes back to XX/XX/XXXX. I need this information to satisfy underwriters for a new mortgage I have been trying to settle on at another company. 

My mortgage with Truist was under forbearance and so nothing was reported to credit reporting agencies, yet I was charged late fees for the first XXXX months of forbearance. I have asked Truist to refund those fees. I was verbally told when I entered forbearance that it would begin XX/XX/XXXX, however it was nearly another 7 months until I received a copy of my Forbearance Plan, by letter dated XX/XX/XXXX, and it was unclear about the status of XX/XX/XXXX and XX/XX/XXXX. 

Forbearance ended after suspension of my XX/XX/XXXX payment. The underwriters for my new loan do not understand how Truist was reporting my XX/XX/XXXX payment. A letter to me dated XX/XX/XXXX states that no fees will be assessed nor reports made to credit reporting agencies while they processed a final solution. 

I have talked to the manager at my local Truist branch, but they do not have access to mortgage records and told me to call mortgage services. The first time I called, they promised to email that information in 24-48 hours, which they did. However, they failed to tell me that it would arrive in a time-sensitive email or that it could not be opened by any mobile device, which is all I own. The sender did not respond to my email request for additional help opening the email. The second time I called, they promised to resend the transaction history after suggesting I ask Suntrust bank instead and would expedite my request and it would likely arrive in 24 hours. It did not arrive at all. The third time I called, the surly man who answered told me it had been mailed instead on XX/XX/XXXX. When I asked to speak with a supervisor, he disappeared from the conversation without telling me I was being put on hold for so long I thought the call had dropped. Then he came back on the call and asked if I needed anything else, saying no supervisor was available and he scheduled one to contact me. That never happened. 

I need this transaction history to settle on another mortgage. I dont understand why it is so difficult for Truist to provide it.
Product: Money transfer, virtual currency, or money service

I was scammed by a person impersonating a member of the band XXXX. They sent me very convincing material that let me to believe I had been invited to a meet and greet. I suffer from XXXX XXXX and XXXX so in light of being a relatively smart person, I took the bait. They were incredibly convincing. I had two wire money to two different accounts at Wells Fargo. I was also given a 3rd account at Wells Fargo and I also had to send money to a XXXX bank. My bank has gone to Wells Fargo to try to retrieve the wires but of course the accounts are closed. I didn't have much hope for the money being retrieved but I would like to hold Wells Fargo accountable for having multiple ( potentially hundreds, thousands ) of personal bank accounts that are only open to conduct scams and fraud. I had to wire money in the amount of {$3000.00} to a Wells Fargo account on XX/XX/XXXX to a Wells Fargo in XXXX XXXX. On XX/XX/XXXX they had me send {$1300.00} to a Wells Fargo in XXXX XXXX. I have spoken to Wells Fargo. They are very pleasant but openly admit that they are aware they have multiple fraudulent account holders. How can they be aware of this and not do anything about it. My bank manager said in some cases you can just open an account on line. If there are accounts being open and closed with large wires coming into them there should clearly be a red flag that these accounts are conducting internet fraud. I was first approached on XXXX by a person with the XXXX handle XXXX his email which has an IP address in CA is XXXX. I was also sent a meet and greet invitation by " his assistant '' her name was XXXX XXXX and her email was XXXX both of them had the IP address XXXX I was later approached by a fake XXXX singer claiming to be XXXX and he knew all about the meet and greet and couldn't wait etc. his XXXX handle XXXX email XXXX ip address XXXX. I have reported this to my own bank. They have told me that they can no longer help me. I have filed a complaint with two local police departments. The FBI, The attorney general in CA as well as the XXXX. Wells Fargo has sent me correspondence and I know that they have {$5000.00} they are a huge bank. I don't want this to happen to anyone else. This was one of the worst experiences of my entire life. If I can help just one person, I hope I can prevent this from happening for them.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Ive been denied of everything. I cant get a bank account in my name or a prepaid card. Due to Id theft
Product: Credit card or prepaid card

I wil need to go back through my phone records for dates. If it comes to that I will. I recently moved XX/XX/XXXX. During my move I purchased a home and had trouble getting closing information from 5/3 bank that the title company said that they never have these problems. After I moved I switch my checking and savings account from 5/3 to  XXXX XXXX. I had to call them three times and numerous emails to close 2 savings accounts and one checking account. They charged me fees in the interim because of their incompetence which I paid to avoid credit issues I also stopped my credit card acoount with 5/3 bank after I had another fraudulent charge. They said they wanted to send me another card. I told them NOT TO SEND THE CARD! They did not send the card. The card has charged on it and I never received the card! I talked to their security department and their no coustomer service department for over 1 hour and got nowhere. I just received another threat to get payment for something I never purchased. I told them to send me an affidavit and they have not. HELP PLEASE.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check for {$11000.00}. Bank of America said it would hold the check funds until XX/XX/30. On the XXXX my XXXX deposited and on the XXXX my XXXX deposited, totaling about {$3000.00}. I electronically paid some bills on Saturday, then went to the pharmacy to have my debit card declined. I called BOA and they said my account was set to be closed and they would mail me a check on the XXXX. On the XXXX, no check yet so I called. They said it wasn't yet cleared, they needed to confirm the money was mine, but they should finish on the XXXX or XXXX. On the XXXX it still wasn't closed and they told me it would be the XXXX. Then it was the XXXX, then the XXXX, then the XXXX, and now it's set for the XXXX. They have been holding my money for a whole month! How do they expect me to eat? I can't pay for my medications, bills, insurance, nothing. My bad credit score has gone even lower for unpaid bills. Note that the {$11000.00} check originated from my XXXX and was earmarked to pay for some home repairs. I presented the check stubs to show they had come from another bank in my name to show it was my money. BOA moved {$1000.00} to my Merrill Lynch account which caused overdrafts to happen, but they didn't charge me, just sent the electronic transfer back as an overdraft. There are several account movements after I was able to do anything in the account. The other strange thing is I am unable to get an account statement from Merrill Lynch, just get that my account is locked. I called them several times and all they could do is read off my transactions to me, they would not email or mail the statement to me. I tried to open a new bank account but they advised me that as long as BOA keeps my account frozen and in limbo, I won't be able to open an account anywhere. I had another bank account with XXXX, but they closed it as soon as I tried to use it, presumably due the the issues with BOA. I have reported this to the OCC, but the guy investigating it, XXXX at BOA, phone number XXXX ext XXXX will not return my calls. The closest branch manager at BOA XXXX XXXX, XXXX, XXXX XXXX, is not returning my calls either. I have been in that branch twice and the XXXX, XXXX branch. I have called and called, the only number that will take my calls will not forward my calls to the proper department. They will only advise me of new closing dates. I have demanded that my account be closed, but with it " under investigation '' they will not close it. How hard is it to call the check issuing bank and ask if the money was actually mine? Does it take a full month? I don't think so. Please help me. My friends have helped to the best of their ability, but they can't support me for much longer. A few XXXX dollars gets me basic groceries and a bit of gas. Please help!