23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My paycheck was stolen from mail who ever received it somehow was able to steal my identity also simply to open up a bank account online with US BANK so that they could be able to cash my check withdrawal funds few week after by chance I went to USBANK trying to open a direct deposit account that when I was informed the an account already existed I file a claim with US BANK they send some forms to fill out I did that weeks later received a letter from US BANK fraud liason center telling me that my claim has approved and that's the last Heard from them everything I called the they'll give a different answer like they where still investigating to should get my refund in a few month finally they said that they couldn't prove my identity. So why did they send me a letter telling me that my claim has been approved
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my credit report on XXXX XXXX, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible Accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ( I ) modify after any information is found to be inaccurate or incomplete or can not be verified Promptly deleted that item of information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX-19,XXXX-19,XXXX-19,XXXX-19 Incorrect balance, the date reported, and the account type are inaccurate. 

US BANKRUPTCY COURT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2018 I called Transunion to see if they could of removed the inquiries in my credit report because my wife and I are trying to buy a house. So they said they wouldn't because I need to call each creditor. I called the creditors before calling Transunion to get them to delete them. They all said they love to help me but unfortunately Transunion is the one that erases the inquiries. I called Transunion and they didn't help me with my issue the representative didn't help me speak to a supervisor either. She insisted that I call all the creditors back. I told her that they told me to call them that they will erase the inquiries if I spoke with a supervisor. 
Obviously nothing was solved I don't like to complain but at this point they are keeping me from bettering myself and is not fair. I also was one of their customers that got a charged off account erased of my report and then a week later they put the account back with out telling me anything about. Why would they remove something of my credit and then put it back. That does not make any sense.
Product: Debt collection

HAS NOT CLEARED MY PAID DEBT ON MY CREDIT REPORT FOR XXXX STILL SHOWS {$270.00} OWED
Product: Credit reporting or other personal consumer reports

TransUnion has refused to remove unauthorized inquiries every time I submit a dispute online and by mail throughout the year of XXXX. I currently have 11 unauthorized inquires on my TransUnion Credit report. 

I spoke to a TransUnion customer service representative in early XX/XX/XXXX and I was told that TransUnion can remove unauthorized inquiries with a vaild FTC Identity Theft Affidavit. 

My mailed Dispute via XXXX XXXX Mail has been uploaded to my TransUnion Dispute Center on XXXX. I am filing an CFPB complaint to ensure TransUnion deletes these unauthorized inquires from my consumer credit report. 

XXXX XXXX Number : XXXX https : XXXX XXXXXXXX & XXXX & XXXX & XXXX & XXXX Again, I have XXXX unauthorized inquires and XXXX unlawful & unauthorized alleged installment account ( XXXX & XXXX XXXX ) that arose from IDENTITY THEFT on my consumer report and TransUnion has failed to verify as required by law on my consumer report. TransUnion has a history of inaccurate reporting for my Consumer Credit Report. They did not have my current address listed correctly and over the phone I had to ask a TransUnion customer service agent to delete all undeliverable by mail address from my TransUnion consumer report in early XX/XX/XXXX. I address all this in my Identity Theft Letter and Change of Address Letter. See XXXX XXXX XXXX Police Report ID : XXXX XXXX I AM A VICTIM OF IDENTITY THEFT. 

Transunion is suppose to operate in XXXX with its fellow credit reporting agencies. Secondly, Companies are using my copyright name for unauthorized commercial gain. All supporting documents are attached. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I also have a quadriplegic brother that was hazed by the XXXX Police XXXX on XX/XX/XXXX. XXXX XXXX, my only sibling. It is national news, XXXX " XXXX police XXXX amputee ". I am keeping count of the economic and monetary damages TransUnion is causing me, my small business, and my family. I will submit an affidavit of truth and invoice TransUnion for my monetary damages if this is not resolved shortly. 


INNACCURATE INFORMATION FROM TRANSUNION IS ALSO SHOWING INACCURATE INFORMATION IN MY XXXX XXXX REPORT AND OTHER VARIOUS SECONDARY CONSUMER REPORTS! I have to spend my time, money, financial resources to have other consumer reporting agencies correct and remove inaccurate information! Banks such as XXXX are giving me error code saying the institution can not finish verifying my identity online and I need to contact a banker or customer service!
Product: Mortgage

Was contacted by my mortgage company, who offered to lower my interest rate at no cost to me. After a couple of phone calls, I realized I was actually " re-financing '' my mortgage, not just lowering my current interest rate. I felt this was very deceptive. The first person I spoke to sent me to another person who said she would be my point of contact through out the process. This did n't happen. At every step of the way I was given another " contact '' who would be with me " through out the process ''. After explaining to several " contacts '' that I did not want to finance more than my current principal balance I received my first closing disclosure. This doc was incorrect because they added money to the principal, which I had already explained to several of my " contacts '' I would rather pay for than finance. I was told the docs would be fixed. They then showed up at the closing with the wrong version of the docs. The closing did n't happen. A second closing was scheduled. Another set of closing disclosure docs were prepared. These docs added even more money to the principal which I explained again to my newest " contact '' was n't acceptable to me. After spending 45 mins on the phone with my latest " Contact '', I thought I had finally made the point that I was trying to make all along. I wanted to only finance what my current principal balance was, and would pay for the additional moneys required to payoff the current loan. I was told this would be the interest amount from the XXXX of the month to the date of closing. They would still pay all closing costs. Second disclosures showed up. Once again incorrect. I was told to keep my scheduled closing date as a new set of docs would be drawn up in time for this closing. I never received this third version until the actual day of the closing and yet again the principal amount was now even more. 
I am now stuck. If I do n't close I 'm going to have late fees for missed mortgage payments. The missed payments were because my " contact '' told me not to pay them as they would be taken care of once the new loan was closed, which did n't happen. The aggravation of having to explain myself over and over to many different " contacts '' and none of them actually doing it the way I wanted makes me feel like they are trying to scam me out more money than necessary. I do n't want to close this loan but I am now on the hook for late fees. So either way, the 're getting more money out of me than was necessary.
Product: Debt collection

To whom it May concern : In my credit history I report an account that I do not belong to Credit Collection services # XXXX collecting a balance of {$490.00} from XXXX XXXX XXXX - XXXX which does not belong to me and I have never lived in the United States.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Experian, one of the major credit reporting agencies. Despite multiple attempts to rectify the situation, Experian has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX XXXX XXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Experian on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Experian has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Experian and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Experian, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Experian to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

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

XXXX XXXX Jointly owned car loan has been current since XX/XX/XXXX and all 3 credit bureaus have not updated their status since XX/XX/XXXX. I have made 3 consecutive payments and have disputed the account and nothing has changed and it is now going to XXXX with the same delinquency, I am a spouse of a U.S. XXXX Veteran Nationstar Mortgage/ Mr Cooper Mortgage Company has been paid and closed and they reported me late from XX/XX/XXXX to XXXX XXXX i keep disputing it but no resolution. i keep me from purchasing a home. my mortgage current is greatly affected. I had medical necessary XXXX and sent documents of financial issues but no response and I was taking care of my veteran husband
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I randomly received a text messages from my bank notifying me that my pin number was successfully changed. I absolutely did no such thing. I immediately logged into my account and changed my password and pin. This happened again after a couple of hours. My online bank, Albert, does not have a way to talk over the phone. Only by text and email. I texted them the same day and explained the situation. They simply told me to change my password again. I did. A couple days later the same thing happened. That time there were some attempted charged that did not go through. I notified them again. They said there was no issue since nothing was charged. A third time pin change message was sent to me. This time i could not log in to my account. That same day i noticed i still couldn't log into my account. It took the entire day but i was finally given access to my account again. Immediately i noticed XXXX fraudulent charges. Very obvious ones. It took me XXXX days to be able to submit a dispute because of how albert bank is set up. I finally did. I was told the descion was that nothing will be credited to my account. I am a victim of fraud and albert bank did not take the matter seriously even when I notified them of a suspicious activity before fraud charged even happened. I have little money. Like many others i am struggling. And i feel victimized by albert bank.
Product: Money transfer, virtual currency, or money service

Back in XXXX of 2023 I received a call from someone claiming to be with Wells Fargo Bank wanting to know if I was traveling abroad because I had some unusual charges on my account that were out of my state. They sent me a text message with a XXXX digit number that they wanted me to read back to them for verification of who I was. Later that day I received an email from Wells Fargo stating that I had signed up for online wire transfers ( I did not ). Also received an email stating that an online wire transfer had been initiated out of my account. I immediately called Wells Fargo and spoke with an associate, I informed her that I did not sign for such service nor did I initiate a wire transfer. She informed that my money would be back in my account in XXXX to XXXX hours. To this date I have not received my money back. I have reported this to my local Sherriff Dept. and a warrant has been issued. I will attach screen shots of emails from Wells Fargo. I did not authorize any wire transfer, someone had hacked my account and even my phone. I took my phone in and had it looked at because I wasn't receiving any calls, all calls were being forwarded to an unknown number. XXXX XXXX stated that that it was hacked and they had to reset phone and change my account number.
Product: Debt collection

AmeriTech Financial charged me money and said that they were helping pay off my student Loans through XXXX, but none of the money actually went to my loans. AmeriTech Financial was keeping the money for themselves, and I can not afford that. 

" Last year, the Federal Trade Commission ( FTC ) sued Ameritech Financial, a company that promised to help customers save money on their student loan payments. The FTC claimed that Ameritech made false promises that people could permanently reduce their monthly payments charged illegal upfront fees told people their fees would go toward their student loan balances, which wasnt true The court appointed a receiver to manage Ameritechs affairs. The receiver concluded that Ameritech couldnt operate legally and closed the company for good. '' ( email sent to me by Federal Trade Commission )
Product: Credit reporting

I contacted XXXX XXXX XXXX regarding this account and they agree to close it. 
The account is from XXXX/XXXX/2009 is more than seven years. Equifax has refuse to remove it from my credit file because they say is there policy to keep it from the day of last adivity. 
I think they want me to continue paying for the membership. 
Please Help ...
Product: Credit card or prepaid card

I have tried to contact the credit card company Express at the fraud line XXXX on XX/XX/2022 and again on XX/XX/2022 and I can not get anyone to help me dispute the fraudulent charges. I also made sure to report the card as stolen. They keep charging me intrest on the two fraudulent purchase made on XX/XX/2022 for XXXX and another on XX/XX/2022 for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX # XXXX, ... date ; XX/XX/22 ( collection ) ... .in accordance with the fair credit reporting act XXXX XXXX has violated my rightt!, ..15 U.S.C.1618 section602A states that i have the right to privacy ... ..15 U.S.C.1618 section604A section2 also states that a consumer reporting agencycan NOTfurnish an account with out my consent and/or instruction and they've obtained niether!
Product: Debt collection

Im in the process of buying a home and due to law 15 U.S.C 1681 i need debt removed immediately.
Product: Credit card or prepaid card

Card was open without my permission. Wrote letter to credit bureau and credit company. Within 31 days have not heard back.
Product: Bank account or service

My mother opened XXXX IRA accounts at Ally Bank in XXXX. I helped her complete and submit the paperwork to the bank at that time. The paperwork provided the names of the beneficiaries and the percentages due to each beneficiary upon death of my mother. My mother passed away on XXXX/XXXX/XXXX. Since early XXXX I have been struggling with Ally Bank to recognize me as the Executor of my mother 's estate and to speak with me about the balances in the accounts. Over the past 2 months, I have placed over 20 phone calls to the bank to resolve issues that they have created, including distributing an RMD to my deceased mother in XXXX of this year. Each issue until today has been frustrating but ultimately resolved. Today however, the issue is egregious because it has caused financial harm to me and it is the reason why I am filing this complaint. 

Ally Bank informed me in XXXX that they would not transfer the proceeds of my mother 's IRA accounts until all paperwork was received by the beneficiaries. However, on XXXX XXXX, XXXX, they began to transfer the proceeds starting with my portion. On XXXX XXXX, they transferred another portion to XXXX of my siblings. The amounts that were transferred to each of us were different. When I calculated what should have been transferred based on the percentages my mother allocated in the documentation provided to Ally, I determined that calculations were incorrect. I called Ally Bank to ask them how they arrived at the figures that were distributed. The manager, XXXX XXXX, stated that the operations department decided on the amounts to distribute to me and my siblings because there were no instructions provided by my mother. He stated that the amounts in my mother 's accounts were divided by XXXX and we each received our portion. 

My problem with this is three-fold. One, Ally Bank told me in XXXX that they would not transfer any proceeds to beneficiaries until all of the required paperwork from each beneficiary was received. Two, my mother provided specific percentages that each beneficiary was to receive, but the bank did not follow the explicit instructions provided by the account owner. Three, if the bank had indeed transferred the balance in XXXX equivalent portions, the amounts would have been the same, but they were not! In fact, the amounts that have been transferred so far are less than one-third of the balance that was in each of my mother 's accounts as of XXXX XXXX, XXXX! 

This is a serious issue because I am personally entitled to 34 % of the balance in my mother 's accounts but I only received 33.04 %. XXXX of my siblings received 33.06 % and the balance left in the accounts represents 33.9 % of the total!! The difference between what I should have received and what I did receive is approximately {$2100.00}. I realize that this may seem like an insignificant amount, but the issue is n't the amount. The issue is that Ally Bank is not following its own internal procedures, is not following the instructions provided by account owners, and is transferring incorrect amounts to beneficiaries.
Product: Debt collection

I received an alert on my XXXX report on XXXX XXXX XXXX that there 's a change on my credit report. I log on my report to find an account from green tree servicing l a count # XXXX showing a debt of XXXX that I owe. They do n't have the original creditor reported on the report. From the date it show this was opened XXXX XXXX bought an expired debt that is well over the statue of limitations from hsbc. They knew this when they purchased this debt which is why they did n't notify me to dispute this before they reported it to my credit report. XXXX are know for illegal actions such as this XXXX. I have enclosed a copy of an XXXX report dated XXXX XXXX XXXX that shows the original creditor hsbc/household finance Corp account # XXXX ... the debt shows the account was opened XXXX XXXX balance and the date this was removed from my report XXXX XXXX. This was written off XXXX XXXX and has been past due months before it was written off which is why this is no longer on my credit report. I also in closed a copy of my current report with XXXX servicing on my XXXX as of XXXX XXXX XXXX with this expired debt. The date opened is the same XXXX of XXXX. This debt is expired and should not be on my report. Hsbc has been deleted from all XXXX credit bureau since XXXX of XXXX. XXXX have purchased and expired debt.