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

I am writing to formally file a complaint against Truist Bank regarding a severe security breach that occurred with my account. In XXXX, they allowed a family member to access my account without my knowledge or consent by permitting this family member to acquire a credit card using my name and SSN ( credit card picture attached ). The bank never notified me to verify whether this action was done with or without my permission. Subsequently, this led to my family member being added to my account without my authorization. I discovered this when I ordered new checks ( picture of deposit slip attached ) around XXXX and found her name alongside mine on them. This negligence ultimately resulted in the unauthorized closure of my account by that family member and their associate this past XXXX. 



The unauthorized closure of my account happened when this family member told her accomplice that she opened my account for me, as it's what she believed, which prompted him into talking her into closing my account with him as he's her power of attorney. I am providing documentation to show that I opened that account in XXXX with my first paycheck at that current place of employment to demonstrate that the only person I added to my account other than me was my father, who had passed away months earlier, which should speak volumes in and of itself. 



While there was no money in my Truist account at the time, I had funds in another account at a different institution, which I was about to transfer to my Truist account for bill payments ( document provided ). Truist 's failure to notify me of this security breach put my account at risk and could potentially affect others as well. I urge Truist to acknowledge their negligence and implement better training for their associates to prevent such instances of covert manipulation. With the rise of entitlement growing in our country and people believing that they can do whatever it is they want without any repercussions, such institutions must put into place better security measures and better training to prevent this from happening to anyone else. 



All documentation should be attached, if you need anything else please call ( no text please ) XXXX or email me as it's the best form of communication. 



Thank You, XXXX XXXX XXXX
Product: Checking or savings account

I had a company called XXXX XXXXXXXX XXXX XXXX XXXX, when I started generating income, I created an account with Wells Fargo. A customer scammed me, with a check, the problem is that I deposited the check to the bank, the bank gave me the money and then my customer canceled the service, I returned the money to the customer and days later the bank tells me that the check is a fraud check, I filed the police report for the customer, but the bank charges me the total amount of the check, plus the fees. I do not have that money, the bank released that check for me, in any case the bank is able to detect if a check is fake or not, and they should not have paid me, because I do not have that money now, it is the bank 's fault, if the check was false, the bank should not have released the funds of money. They found out days later when I had already been scammed by this client. I will not pay anything to the bank and on the contrary I ask for a complaint for them because they did not give me the necessary security as a customer to trust them either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted a signed letter to XXXX XXXX verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section 611 to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to XXXX XXXX and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave XXXX XXXX an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 

I am submitting a formal complaint to this website to get the assistance I need in this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX***Balance XXXX {$240.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$310.00}.
Product: Checking or savings account

My account information/debit card was compromised, XXXX had taken money out of my account XX/XX/XXXX and XXXX. I filed a claim the same month, they retrieved my funds and put my account on hold. I went into 2 branches personally and brought my drivers license and passport because I had spoken with several representatives on the phone and they were telling me if I went into the branch to verify myself I would be able to get my funds. The branch manager at the " XXXX XXXX XXXX, XXXX, NC XXXX '' branch ( XXXX I believe his name was ) made me wait in the waiting room for hours at a time trying to find reasons for me not to get my money and interrogating me about what was going on when I had already talked to the fraud department in depth about the issue. He had them lock my account to where I couldn't get anything out and they've had it locked since XXXX telling me to wait and that I will receive an update in the mail but I have yet to receive anything. They told me time and time again that they got my money back and that I won the dispute but they've been holding my money and not telling me anything, saying that they can't give me any information. I asked them to send me my money and close my account because I've had constant issues with them but they refuse to give me my money and close my account.
Product: Student loan

When I was having trouble making payments, Navient pushed me into forbearance before giving me options to lower my payment. Later, when I was able to lower my payment, they failed to inform me that I needed to renew the program and my payment was raised again.
Product: Credit reporting or other personal consumer reports

All accounts with XXXX XXXX XXXX on my three credit reports are individually under {$500.00} and they are trying to lump them together to show a higher balance in collections to put it on my credit! They are all medical bills and some belong to my now adult child. According to the XXXX promise they stated consumers would have one full year from placement in collections for all individual collection accounts for medical bills under {$500.00} or previously paid bills to be removed or worked with creditors before placement on credit. This showed up immediately on placement with XXXX. I want this removed!
Product: Checking or savings account

Like many, many Capital One customers I have been unable to access my small business checking and savings accounts all day, and therefore unable to process any transactions or receive a direct deposit. They have no information or timeline to provide other than they are " working on it '' which is completely unacceptable. It has completely frozen my operations for the entire day. ( My personal checking and savings accounts still appear, but neither business account. )
Product: Mortgage

I am a United States retired XXXX, XXXX I used a VA fixed XXXX for 30 year on a XXXX home. Payment at closing with XXXX XXXX  on XXXX XXXX payment was set XXXX month. From day one my loan was purchased moved to XXXXXXXX XXXX XXXX XXXXXXXX, from day one they started changing my monthly payment first by XXXX, XXXX it just kept going up. I have never missed a paymnet. On XXXX the predator company report my LOAN to VA home loan as Perforclosure. I iquickly call VA homeloan to tell them I had nit miss a payment. I never heard back from VA XXXX XXXX. This year my property tax has increased 150 %, a increase of XXXX in one year. From a XXXX home XXXX property assessment which again drives up my mortgage and home insurance I QUALIFED for this XXXX townhome off my military retirement and a portion of VA XXXX. for the last 2 years LAKEVIEW claims they RETURN al my payments total XXXX I send to Lakview, Lakeview reported to VA they had not received a payment since XX/XX/XXXX, I present copies and receipts showing I paid XXXX from XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Company. I have sent many disputes about the accounts listed below over the last 6 months. At this point I am requesting that you delete the accounts as you keep having inaccuracies. You send me letters saying the account is verified and accurate, then I find an issue and later you update the account, then somehow change something else in the report to appease the creditor who is clearly abusive and trying to extort me. The other Credit Reporting Companies have deleted this account. I expect you to comply with FCRA and do the same. There is nothing more for you to ask of them. Do not ask them to verify anything again, they just keep giving changing their story. We have been back and fourth for 6 months and they keep giving you inaccurate information to keep hurting me. Your personnel must just delete the record promptly as in immediately. I have been hurt long enough. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See the law below. It is invoked and should have been followed as the other Credit Reporting Companies did. Please delete now. 

15 U.S.C. 1681i - U.S. Code - Unannotated Title 15. Commerce and Trade 1681i. Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information. -- ( A ) In general. -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX collections creditacpt XX/XX/XXXX XXXX collections
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX Acct : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I have been trying since XX/XX/22 to get in contact with the three credit bureaus transunion, Equifax and XXXX in which they have never gotten back. I have several delinquencies on my credit in which the bureaus don't respond and get back to within 30 days, I have not received results of my investigation and they are saying as an excuse that it is not me trying to contact the bureaus on my credit. I have been dealing with these issues for some months now across all three credit bureaus and I need this fixed as I am trying to get a home. None of the information is verifiable as they either ignore me or throw it back on which Equifax has done on numerous occasions but shows me no proof of the information I am disputing as to how it is my debt and validated. I am reaching out to the CFPB as after dealing with this for 6 months I am done with my rights being violated, ignored and taken advantage of.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit card or prepaid card

They are calling me more than 5 times a day everyday non stop. I am unable to pay them right now due to a change in income. I've informed them of this and asked them to stop calling. They are still calling. Barclay 's bank.
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified immediately. 

XXXX  - XXXX, XXXX XXXX - XXXX and XXXX XXXX  - XXXX. 

FYI : I am sending this letter in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( XXXX ). If you choose not to provide the above requested deletion or requested documentation of your investigation, I will pursue the enforcement of my constitutional rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( XXXX ) I received notifications from two of my banks that information on my credit report had changed. It appears that someone applied for one or more credit cards using my information. 

As of today, XX/XX/XXXX, the following is true : XXXX shows a hard inquiry on XXXX from XXXX XXXX XXXX XXXX Experian shows a hard inquiry on XXXX from XXXXXXXX XXXX XXXXXXXX I've made the following calls today, XX/XX/XXXX : To XXXX- they confirmed that an application had been attempted and said they would resolve the matter on my behalf, including a letter to the credit reporting agencies stating that the XXXX inquiry was not made by me To XXXX XXXX  XXXX- they were unable to provide any information on the hard inquiry. We agreed that my best course of action was to call Experian and dispute the inquiry To Experian- I successfully filed a dispute of the hard inquiry from XXXXXXXX XXXX XXXXXXXX and placed a fraud alert on my account. They recommended that I create a case with the FTC, which is what led me here to create this complaint.
Product: Debt collection

The debt from Jefferson Capital has been disputed numerous times and removed numerous times. The erroneous information is reapplied to my credit every couple of months and I have to redo the dispute all over again with each of the bureaus they report to. I have 100 % on time payments on my credit for XXXX years now. I am unable to ascertain more information about this account from Jefferson Systems and the original creditor is XXXX, which no longer exists and can not aid in a remedy. I have never been a XXXX customer. During a previous employment of a XXXX affiliate I had a corporate account that should not be associated with my name nor my credit. Previous disputes were removed due to the findings of any account in my name were opened fraudulently.
Product: Credit card or prepaid card

On XX/XX/19 my Chase credit card was charged for {$1400.00} by a vendor in XXXX. I reported to Chase the charge as invalid as I did not incur such a large amount and do not recognize the vendor listed as " XXXX XXXX ''. After many phone calls, Chase said they refunded the charge. Then, they re-charged the charge, and when I called they assured me it had been refunded. But not so, as my statements clearly show the charge is still on my account. 
I have repeatedly asked if they have any documentation that I incurred the charge, and today they said they did not, and that the vendor was not obligated to provide them with documentation. They asked me for documentation, and when I asked what I could provide they said they did not know. 
They continue to direct me to submit messages in their online system. Once I do that and call them, they send a letter saying they closed my inquiry. Today after I pressed them for an alternative for resolution they said I could mail a letter to their Executive Office. 
And so, the loop continues. Now that it has been a year and they have continued to run me in circles I'm reaching out to the CFPB with a formal complaint. Please let me know what options I have to remedy this matter. I am frustrated that it has taken so long for Chase to correct their error ( or the vendors error ), or fraud, or whatever the issue is. I obviously did not spend this amount of money on my card and want the charge removed, as it has affected my credit score, limited my access to credit, and required an over-burdensome amount of my time and resources to continue to address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 REF : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed Credit Plus put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX  XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX
Product: Mortgage

I closed a XXXX loan in 2013, and XXXX did not require me to obtain XXXX Interior Condo Insurance. 2 Years later SLS is threatening to force place this insurance on my property because it 's their " Policy '' for me to have it when my note does not contain this requirement. It 's not fair to change the rules in the middle of the game.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to AMERICAN EXPRESS to get the inquire removed but, they haven't resolved the matter.