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

I have a bankruptcy showing on my TransUnion credit report. Over the past few months TransUnion has refused to not only properly VALIDATE! This account on my report. I have initially send a request to TransUnion advising them to please send me the information on who they validated this Bankruptcy with as well as send me all of the information that they used to come to said conclusion. Instead of TransUnion sending me how they validated the request they sent me a letter stating that they verified this account as accurate with the XXXX XXXX XXXX MISSOURI. ( I have submitted the letter that TransUnion sent me in uploads below. ) I personally reached out to the courts XXXX my letter to XXXX courts is submitted in uploads below. ) asking if they verified such bankruptcy. ( I attached my Identification for verification purposes. The bankruptcy courts sent me a letter stating they have NEVER verified this bankruptcy with any Credit reporting agency at all. ( I have attached the bankruptcy letter to submitted uploads below. ) I resent TransUnion the Bankruptcy courts letter stating that TransUnion lied as well as my Drivers license and their letter that they sent to me stating the courts verified the account. Instead of TransUnion following the law and deleted this UNVERIFIED Bankruptcy they sent a letter stating they were unable to verify my identity and was unable to move forward with my dispute. I call that stalling and again NOT ABIDING the law. I resent my drivers license the bankruptcy courts letter and a letter advising TransUnion that If this unverified account is not removed from my credit report I will be officially filling a complaint. TransUnion then responded that they information from the courts was NOT sufficient information and that they will not further investigate this dispute because they have already verified it. ( I have attached the letter from TransUnion refusing to remove this inaccurate unverified account from my report. ) This is against my rights as a consumer. A cra must remove or correct inaccurate or unverified information from my files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your files unless it is outdated ( as described below ) or can not be verified. 
Ive ask them to NOT use the XXXX and XXXX XXXX while verifying because that is NOT RECOGNIZED AS PROPER VALIDATION. 
I am uploading all of the correspondences between me consumer and TransUnion. 
I have been going back and forth with TransUnion for almost 6 months. I am tired of fighting for my consumer rights when I have proof of facts. PLEASE REMOVE THIS UNVERIFIED ACCOUNT FROM MY REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} Date Opened XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week on XX/XX/XXXX around XXXX I got a call from unavailable number and so I answered it and a lady asked me name and last of my last digits of my social security number and I asked Who is this? She said some name It could have been fake and I gave the last digits and she gave me a 5 digit number hold on. Then a male got on the phone and re asked my name and that I was going to be served some court papers and he worked For XXXX XXXX XXXX in XXXX NY and he asked for my email address and mailing address. I asked what is this for? He said a XXXX loan for the sum of {$1400.00} and I informed him I spoke to some one from XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA the week before about the same XXXX loan and they mail me 8 pages of contact information will no amounts from XX/XX/XXXX. I hung up the phone and XXXX the company. I found out that in this company XXXX XXXX XXXX is not accredited with XXXX and out of business with a government action in XXXX XXXX New York State General with district court regarding illegal Nationwide Debt collection scheme and mispresented to consumers that hey owed sums they did not own.
Product: Credit reporting or other personal consumer reports

I filed disputes on several creditors due to statue of limitations had expired, incorrect information was reported, and accounts were not mine. They denied to follow up with the investigation and would not allow me to re-dispute their findings. I was recently notified that XXXX has filed a lawsuit against Experian. They alleged the company of accepting unreliable information and failed to notify consumer dispute results. This aligns with my situation. Experian, XXXX and XXXX have not attempted to remove, nor correct any information. Experian, XXXX and XXXX also failed to remove improper addresses/spelling of name
Product: Vehicle loan or lease

XX/XX/2014 I purchased a XXXX XXXX XXXX upon purchase of this car I noticed issues with the transmission with-in approx 30 days immediately called the dealer to advise of issues in -which they were not in-agreement with my findings I continued to have issues with the Transmission and have confirmed that these cars have numerous complaints regarding transmission issues. I voluntarily returned the car immediately because of this issue yet no one has paid any attention to my complaint 's and it effecting my credit now. I have also repeated disputes with the credit reporting agencies to no avail. I'm needing someone to follow up on this complaint as it's affecting me and also causing a lot of stress and financial hardship. If you need to speak to someone regarding this please speak with my wife XXXX XXXX as she's the one who's been trying to resolve these issue 's for me. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I received a credit card in the mail from Chase Sapphire Preferred that I did not apply for. I contacted the company, and they cancelled the card, but I would also like to make sure they remove the XX/XX/21 JPMCB credit inquiry on my credit report and safeguard my identity.
Product: Checking or savings account

Opened tradestation brokerage account XXXX months ago with promotion deposit XXXX and more and get XXXX. XXXX was made on XX/XX/2024. After XXXX months, tradestation still didn't credit the XXXX bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$78.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I use XXXX XXXX XXXX ( XXXX by East West Bank ) . 

I use my XXXX XXXX account transfer XXXX to another XXXX XXXX account via ach. 

Because my bank account balance was insufficient at that time, the transfer was not successful. Both the payee and the payers XXXX XXXX account were frozen {$6000.00} ( later, I recharged my bank account, so there is enough balance to frozen ). 

So far, 8 months have passed and the remittance status has not yet been confirmed. 

I have complained about this issue on consumerfinance.gov last month ( see the attachment ), but bank still tell me wait. 

I have been waiting for the bill confirmation for 8 months, but I still haven't waited. 

Bank have never told me the exact confirmation time. 

I really have no patience to continue waiting. 

I hope the company can help me solve this problem, otherwise I can only complain over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 45 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 to 45 days gives a reason to quickly remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

They call repeatedly during work hours and make false statements to try and get me to sign up for their features. They call before the payment due date every day until the payment is made. This month they began calling 2 days before the payment due date during work hours ( calls began XX/XX/XXXX - payments are due the XXXX - by their own rules i have 20 days from the due date before a payment is late ). I am not allowed to use my phone at work. When I got in contact with them ( XX/XX/XXXX ) I asked why they were calling so much before my payment was due they said that it was because they were ready to take my loan out of default. I said that was great and I would be calling back in the next few days to make my payment. They told me they would advise me about the status of my loan when I made the payment. They continued to call XX/XX/XXXX & XXXX during work hours. When I made my payment XX/XX/XXXX they tried to get me to sign up for their paperless notifications. I declined. They had no knowledge of the conversation where I was told about my loan coming out of default and said i started receiving the calls before my due date as a reminder. I asked to speak to a supervisor and asked them to listen to the recording of the conversation on XX/XX/XXXX. Today XX/XX/XXXX I got a call back and the person I spoke to confirmed that I was told my loan was ready to come out of default but I was told simply that the person who spoke to me had made a mistake and not looked up my payments and that I was still months away from my loan coming out of default. I was also told that he saw where I had asked previously to to get called repeatedly and he simply didnt know what happened. I have asked them repeatedly to stop calling so much they always claim that theyre sorry and they dont know what happened but theyll fix it and as soon as the next payment date approaches the calls begin again. Every month they have a new excuse for calling me and are constantly trying to get me to approve autopayments or paperless billing. Ive had trouble looking for work and in the past when payments were late for longer periods they have called my parents and siblings trying to reach me. Its incessant and unnecessary and has caused my family and my self a lot of undue stress.
Product: Credit reporting

I attempted to request a copy of my credit report through Equifax about a month ago. They got all my information and my older brother mixed where all of his and my stuff are showing up together eventhough the name, social security, and date of birth are all different. I spent over an hour on the phone with a manager by the name of XXXX, who promised to get it all corrected and will call me back in 24 hours. I never heard back and got busy with work. Today I get a notification that a negative trade line that belong to my brother got updated on my credit report. When i called again to attempt to get this resolved and almost an hour on the phone, i get told there was nothing they can do and i have to write to their dispute department. I am not an expert at the FCRA, but from my basic elementary understaning there are multiple violations that have been commited by the CRA and there has to be something that needs to be done. This is creating so much damages, emotional and material and preventing me to accomplish what i need. This is completely aheme that an organization as big as Equifax, specializing in accurately reporting information, ca n't seem to comply with simple basic law requirement. How many other people i wonder are having similar issues and simply dont know what to do or where to turn.
Product: Credit card

This is regarding claim XXXX with Truist Bank XXXX 
On or about XX/XX/XXXX, I opened a XXXX XXXX XXXX XXXX ( # XXXX ) with my son, XXXX XXXX, at Truist Bank. While my son activated his credit card, I never activated my credit card and never shared the information with anyone. 
On XX/XX/XXXX, a cash advance for {$3000.00} was made on the credit card issued to me by Truist bank. Since I had never activated this credit card and had no involvement in this transaction, I contacted Truist to file a fraudulent charge claim. 

Truist Bank informed me that the {$3000.00} was electronically transferred to another bank which Truist Bank has never disclosed to me into an account in my name. I have never had another bank account other than with Truist. A fraudulent claim was filed with Truist and a notarized affidavit was sent by me to Truist assuring them I had nothing to do with this transaction and did not benefit from it in any way. 

A letter dated XX/XX/XXXX, was sent to me by Truist denying the claim and telling me they believed I did initiate this transaction and needed to pay the bill. 

On XX/XX/XXXX, I called the Truist Bank XXXX XXXX to get an explanation for why the claim was denied. I was told that Truist was unable to reclaim the {$3000.00} from the other bank, so they had to deny my claim. I asked they re-open the case and they asked me to send an email with details about the case ( email available upon request ) to XXXX Documentation at XXXX. 

After not hearing from them, I followed up on XX/XX/XXXX, with a phone call to get an update and was told that it was being denied a second and final time. I was told that Truist had requested the money from the other bank and was denied. 

Truist was aware that before this fraudulent charge, my information in their system had been compromised. In XXXX, XXXX, someone opened an individual account at Truist in my name, and proceeded to transfer {$10000.00} from my existing and legitimate home equity line into a fraudulent account at Truist Bank. Truist could see that I had not done this transaction because they could trace the funds to the fake account with different contact information. All of this was internal at Truist. 

After learning of the fraudulent XX/XX/XXXX cash advance, I subscribed to XXXX credit security to have my credit frozen at the banks urging so no further accounts could be opened in my name anywhere. 
At this point, I can only come to the conclusion that Truist Bank is refusing to thoroughly investigate this claim because it can not be handled completely internally at their bank, and it will take additional time and resources on the part of their fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter and to add on that they are at fault when it comes to reporting these matters. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
1.Account Name : XXXX XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX 2. Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : personal information : name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX late payment XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX {$58000.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} collection/charge off XXXX XXXX XX/XX/XXXX {$450.00} Repossession XXXX XXXX XXXX XX/XX/XXXX {$0.00} inquiries : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Summary : CitibankSummary : Citibank failed to properly address my dispute. My dispute related to an overcharge on the card for goods and services I had received. I wrote a detailed letter highlighting that my issue related to overpayment for goods and services I had received. Citibank failed to properly address my concerns and didnt address the issue of overcharge/overpayment, Citibank responded that the services were rendered. I have also asked for Citibank to provide more information on which they made their judgement and the Merchants response to my detailed letter. After 3 attempted calls, Citi have not provided this information. 

Details : On XX/XX/2021 a charge was posted to my account of {$2800.00}. I opened a dispute on XX/XX/2021. 
On XX/XX/2021 I provided detailed evidence explaining that my dispute related to an overcharge/overpayment that needed to be corrected. 
On XX/XX/2021 Citibank requested further information as documents were lost or damaged. 
On XX/XX/2021 I provided this further information Citibank declined our dispute on XX/XX/2021 Complaint 1 : Citibank failed to resolve the case, appropriately investigate our issue or provide a logical explanation as to why they had declined our dispute. 
As per our detailed letter : This item is an overcharge and needs to be corrected I am requesting a refund for an overpayment of amounts paid over to XXXX XXXX XXXX XXXX for the following reasons Citibanks response was as follows : we are unable to assist you because you received the services for which you contracted This is a violation of consumer rights because it not address the main issue of our dispute being an overcharge/overpayment. It was also illogical as it had not addressed our primary reason I have made over 3 attempts to obtain the documents that merchant has sent to Citi but so far Citi has not provided these documents.
Product: Checking or savings account

On XXXX XX/XX/27 My Checking account was compromised for XXXX different transacctions in North Carolina , I live in Tennessee , but somehow i'm being held responsible for my personal loss, i've reached out to Truist Bank for weeks and they said there was nothing that they could do because the case was closed. Please help me with this because My Bank have turned their back on me!
Product: Vehicle loan or lease

Started lease transfer via BMW financial services on XX/XX/XXXX with documents signed by both parties. XXXX transfer process near completion. Informed on XX/XX/XXXX that car has new recall and now can not lease transfer. Attempted to fix recall immediately however was told that no fix is available ( no parts available ) with no timeline available - told by service center at dealership it could be months. This recall is for brakes and per the recall could cause increased risk of injury due to this recall. I called BMW financial services, recall center, and corporate to attempt to either continue transfer, attempt payoff myself to sell car, or return car to dealer. These were all denied, per BMW. I checked in again on morning of XX/XX/XXXX with dealership and corporate- was told that fix is still not available and I have no recourse. I am stuck in a lease with a car that is not safe to drive ( I have a XXXX  and XXXXXXXX XXXX XXXX  ) and yet can not get out of lease. I am submitting this to CFB to help as I am likely not the only customer in a similar situation ( this recall likely effects thousands of customers. )
Product: Checking or savings account

BBVA USA migrated all Simple users to their own BBVA accounts. This migration failed for a number of users, myself included. Ive been unable to reach BBVA by phone- long hold times followed by automatic hang ups. I can not access my account to setup a wire transfer to move funds. I can not close my account.