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

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5300.00} XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} ( Original Creditor : XXXX  ) XXXX : {$170.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2018
Product: Checking or savings account

Around XXXX of XXXX I opened a CD at BB & T in XXXX PA, in my name for XXXX XXXX  children. I was going to keep there until the oldest turned XXXX. Around XXXX of XXXX, I received a letter stating that the CD was maturing and if I wanted to continue for another 5 years to disregard the letter, which I did. On Friday, XX/XX/XXXX I contacted the bank which is now Truist to request information as the XXXX  child has now turned XXXX. After speaking with the branch manager he stated they do not have a CD, or anything in my name with them! If my calculations are correct, it should be roughly {$1000.00}. Within the last 4 years, the bank has changed hands several times but I would think they wouldn't lose a customers money! Can you please help??
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These listed accounts : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX IXXXX XXXX Account Number : 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 : 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 crime which antedates the report by more than XXXX 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 card or prepaid card

XX/XX/, I am now speaking XXXX. I have had three codes sent to me because employees of Fifth Third do not know what they are doing. 

I have been on the phone for 3 hours now. XX/XX/, a supervisor within 5/3 attempting to do the balance transfer but it was flagged because it did not recognized the employee of 5/3. This happened two more times on XX/XX/XXXX XXXX The representative in customer service was " passive '' and did not correct the amount. He stated a balance transfer of {$4100.00} instead of {$4200.00} so we had to do the it all over again with the Fraud Department. 5/3 does not have a code for customer service on the telephone who are helping customers do the balance transfer. This resulted in 3 codes from the Fraud Department. XXXX XXXX XXXX    at XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XX/XX/XXXX Then on XXXX XXXX XXXX  at XXXX : XXXX XXXX messages sent to my number XXXX. 
Three codes were sent as follows : XXXX ; XXXX approved for {$4100.00}. 
This was approved. XXXX said it had not been approved. There is a recording where it was approved for {$4100.00} and your records can be secured by the court system. Approved on code XXXX for {$4100.00} is on record but the slow 5/3 employee did not know what he was doing and later changed it to {$4200.00} then problems again. 

I have been on the phone for almost 3 hours now due to the inability of 5/3 bank to know that an employees of 5/3 in corporate 5/3 were the ones processing the balance transfer. The INTERNAL COMMUNICATIONS WITHIN 5/3 IS HORRIBLE. 
3 HOURS WASTED. 
STILL NO BALANCE TRANSFER. XXXX WOULD NOT LISTEN TO THE PROBLEM. I NEVER EVER WISH TO SPEAK TO HER AGAIN. I TOLD HER TO GET OFF MY PHONE THAT IF SHE KEPT SAYING THAT MY BALANCE TRANSFER WERE NOT APPROVED THAT I WOULD TAKE LEGAL ACTION. THERE WAS AN APPROVAL FOR THE CODE XXXX ON TWO ( 2 ) RECORDED LINES THAT ARE PERMITTED BY LAW. SHE, XXXX, HAS GOTTEN 5/3 IN A LOT OF TROUBLE BECAUSE SHE DID NOT LOOK PROPERLY AT THE RECORDS.
Product: Debt collection

I was contacted by phone numerous times by said collection agency. I asked what it was in reference to and they said due to privacy they can not tell me. I asked for a statement in the mail describing charges and never received one. I called my insurance and they provided me a letter stating I have a XXXX balance. I contacted XXXX XXXX who also stated I have a XXXX balance. I have no idea who is requesting money or what it is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has on my credit file wrong address in which every time I turn around there creating address with same address with wrong information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is wrong Then there XXXX  XXXX XXXX with no XXXX XXXX Then there XXXX XXXX XXXX XXXX XXXX NV XXXX Right Address is XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX I'm also filing a complaint with US Attorney office on this matter. Every time I don't check month to month Transunion starts this wrong information again
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : XXXX XXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

At XXXX XXXX on XXXX XXXX, 2016 I received an email from XXXX that I had been approved for an Amazon.com Rewards Visa Card and that my credit limit was {$5000.00}. The email also included a link to add my new card " ending in XXXX '' as the default payment option to XXXX account for future purchases. The email said further that I should contact Chase for questions on my credit card agreement and that I would receive my card within two weeks in a plain white envelope. Finally, there were instructions for how to go to my Amazon account to view my {$80.00} gift card balance -- my bonus for establishing this new Amazon Visa. 
I did not apply for this credit card and had no knowledge of it until yesterday -- the date that I supposedly applied for the credit card. So early today, XXXX XXXX, 2016, I called Amazon and they immediately transferred me to Chase Bank. During the next 45 minutes I spoke to XXXX people in XXXX different departments, explaining to them that although I already had a Chase Freedom Visa Card, I had not requested nor completed an application for an Amazon Visa Rewards card through Chase. No one I spoke with was able to tell me how this account managed to be opened, nor could they tell me how all my personal information, which I had to confirm repeatedly, had managed to appear on the new application for this account. 
After much persistence on my part, the new Chase Visa account was closed. Finally, the Chase Security Dept. agreed to contact the XXXX credit reporting agencies to have the account marked " Fraudulent '' so that my credit rating would not be affected. 
After concluding with Chase, I called the RI State Attorney General 's Office and they referred me to the RI Banking Commission ; because Chase Bank is not present in Rhode Island, they referred me to the OCC. The OCC then referred me to CFPB, the agency that regulates JP Morgan Chase. 
At CFPB I asked to speak to a supervisor who was able to tell me that there had been numerous complaints about Chase and suggesting that I call XXXX to file a Fraud Alert which would then be relayed to the other XXXX credit reporting agencies. I did this and am now following through with an online complaint to CFPB.
Product: Checking or savings account

Message : XX/XX/XXXX @ XXXX HI, my name is XXXX XXXX, my back account was hacked XX/XX/XXXX for {$2000.00} from this place called ORIG CO NAME : XXXX XXXX XXXX XXXX : PAYMENT SEC : XXXX XXXX XXXX XXXX XXXX ACH debit {$210.00} this is just 1, I have 15 more for different amount which totals {$2000.00}, I contacted the XXXX  branch FBI and they told me to get a police report which I did, and the officer said I should let your office know as well.. I done some checking on the place, I think they're from Calif. and the ACH debit means it getting clearance to be wired to overseas. I checked on complaints and there's a serious problem with this company with money fraud. ALSO CONTACTED COMPANY AND THEY TOLD ME THEY CAN'T TRACE THE NUMBERS WHICH TOOK THE MONEY, YEAH RIGHT .... The ORIG ID number is where these transactions took place, I DON'T HAVE THE MEANS TO TRACE THIS ... COULD YOUR OFFICE LET THE FBI KNOW.. THE HACKED BANK WAS XXXX IN XXXX THE POLICE OFFICER WHO TOOK THE REPORT IS XXXX XXXX IN XXXX AND THE CASE # XXXX ... I'LL BE SENDING HIM BANK STATEMENTS ON THIS ... .. THANK YOU VERY MUCH ...
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 has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I was notified that my credit score had changed. I investigated and found that this was caused by Transunion inaccurately reporting an inflated balance on one of my credit cards. 

I contacted the lender, who verified that Transunion was misreporting and that the balance on the report they submitted was the accurate balance. 

I disputed the report with Transunion, but Transunion " verified '' it as accurate, despite the lender in question refuting their claims as untrue.
Product: Credit reporting

The XXXX XXXX XXXX Tradeline is inaccurate. 

The Account Type - is not a Credit Card, it is/was Flex Spending The Terms - is N? A and should be Monthly, making this account incomplete The Payment History is wholly inaccurate - it has a 30 day stamp XX/XX/2016, when today is XX/XX/XXXX - and they were PAID in XX/XX/XXXX, making this account inaccurate The PAYMENT HISTORY is missing for XX/XX/XXXX, making this account incomplete and in direct contradiction to a 30 day Late Stamp The BALANCE History is missing for XX/XX/XXXX, making this account incomplete and in direct and in direct contradiction to a 30 day Late Stamp The Closed Date/Date of Status - is inaccurate. 

Please verify the Account details - and update the account, or delete the tradeline.
Product: Checking or savings account

I am writing you to file a complaint against PNC. I was given your info by the Federal Reserve Consumer Help. On XX/XX/XXXX I drafted a personal check and deposited into my wifes SECU account. PNC released the funds to my wifes SECU account, and she was able to use the funds from her account. On XX/XX/XXXX PNC went into her SECU account and deducted all the funds that I deposited in the amount of {$5000.00}. My wife notified me about this, and I immediately went to PNC ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ) to discuss this. The female representative at the front desk with PNC reported that the check looked suspicious, because it wasnt the typical amount I would write a check up for. She also reported that they wouldnt pay for the overdraft fee that my wife accrued in the amount of {$25.00}. Shockingly, I had to get a cashiers check and pay {$5.00} for a biased decision that PNC made without even calling me or writing me to verify if this deposit was accurate. I am filing a complaint against PNC. I would like my wife to receive her overdraft fee back and {$5.00} to be returned to me for the cashiers check I was forced to get from PNC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I was laid off from my position due to Covid19. I have a small car loan with Toyota Financial, and they agreed to a forbearance program for the months of XXXX through XXXX. When the 3 months expired, I called and asked them for an extension, in which they agreed to. They stated that I had to sign a new agreement form and send it back to them. Upon receiving the new form, I signed it and sent it back immediately. I did not hear anything more from them so I did not make my XXXX and XXXX payments. At the beginning of XXXX I received a phone call from Toyota Financial 's collection department stating that I was behind on my payments. I explained that I had an agreement that I would not have to make the payments for the months that they claimed I was delinquent, and they stated that they did not received my signed form back so they did not put the agreement through. I never received any notice up until this point that they had not received the form, or that any payment was being considered late. I asked the girl if I should pay something in order to not have my credit effected, and she stated that she was going to send a new form and as long as I signed it and sent it back that I would be fine. I did so immediately. A week later, I received a notice fromXX/XX/XXXX XXXX whom I have a monthly monitoring service with ) that Toyota Financial had reported a 30 and 60 day late on my credit report for the months of XXXX and XX/XX/2020. I immediately called them and they claimed that there was nothing that they could do. I filed a dispute with all major credit reporting companies and the results came back that they took the 30 day off for XX/XX/2020, and kept the XXXX delinquency on my report, changing it to a 30 day late. I have now re-disputed my case with all credit agencies 3 times, providing the documents from Toyota Financial that prove I was not to make my payment for that month. The results continue to come back the same, Toyota Financial refuses to remove this from my credit report. I have also contacted Toyota Financial numerous times only to be told that they will not help me. I am XXXX years old and have never in my life had a single late payment. My credit has dropped 100 points due to this and I am hoping that someone can help me to get this removed from my credit like it should have been from the beginning.
Product: Checking or savings account

This is related to complaint case # XXXX US Bank is washing its hands of the matter, First they say they " Protect the customer '' when they accept checks ( without first checking if they are fake ) in 49 minutes! The first check was deposited on XXXX at XXXX XXXX and was accepted the same day at XXXX XXXX, the money was available and I was the victim of a fraudulent transfer of XXXX XXXX on XXXX at XXXX : XXXX XXXX, The same day they made a transfer of XXXX XXXX at XXXX XXXX. I wasn't even awake at that hour. They say they sent a letter about holding the check, but it takes days for that letter to arrive by email, when they were able to contact me by phone immediately. 

The second check was deposited on XXXX at XXXX XXXX and the bank accepted it at XXXX XXXX ( at least this one took longer ). On XXXX, two unauthorized transfers of {$1000.00} each were made, the first at XXXX XXXX and the second at XXXX XXXX ( after they reportedly froze my account ). 
Report fraudulent transfers on XXXX ( within 60 days ) Then, while I was waiting for a response about the stolen money, I called and made my address change on XXXX, to receive the correspondence. Attached is a screenshot of the email confirming the change of address. But on XX/XX/XXXX, they sent correspondence to my old address, exposing my personal information again, the bank already knew that I had been a victim of fraud and continued to compromise my personal information, plus I never received those letters because they did not change my address in the system. 
Finally, they said they were going to close the account and on XXXX a charge of {$82.00} was made, from an account that they were supposed to CLOSE and that is under investigation. Is this how they protect their clients? I'm surprised that the hackers haven't taken out more money, I say if that's how they " close the accounts '' they can still get money out of them. I demand that US Bank answer for the stolen funds due to its poor cyber security.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to remove and block these inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Experian and XXXX Bureaus are obliged to do so to any items not later than 4 business days after the ( XX/XX/XXXX ). Ive already included this identity theft report in my last letter & I am including it again. Also, the information you provided on these inquiries is UNKNOWN to me and the inquiry was REMOVED from other bureaus and I have doubts about the accuracy youre showing in my credit report. Remove these fraudulent inquiries from my credit reports, as soon as possible : EXPERIAN : XXXX 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 or other personal consumer reports

To whom it may concern at the CFPB, My name is XXXX XXXX and I'm filing this complaint Against the three credit bureaus Equifax XXXX XXXX and XXXX Who are playing with my credit report. I have submitted documents letting them know that these accounts are not mine and I want them off My report promptly because these accounts did not have the right information In regards to me Information Like the correct spelling of my name and the address I lived and the phone number I have. These companies have used my information fraudulently without my authorization. the first account is XXXX XXXX card and the second company is automotive credit. I have no relationship with these companies and I want these companies to remove their accounts from my credit report immediately. thank you for your time.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CONVERGENT OUTSOURCING XXXX Balance {$170.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX on several occasion to have unauthorized inquiries removed from my Credit Report but they have refused to remove it. I have also filed an Identity Theft Complaint and have a Security Freeze on my Credit Report but XXXX XXXX is still allowing my report to be accessed. 

I need these Inquiries removed XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXk XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX   - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  EXPERIAN - XXXX XXXX XXXX- XX/XX/XXXX Please Also Remove XXXX XXXX XXXX and XXXX XXXX XXXX  Please Remove XXXX XXXX XXXX  Please Remove XXXX XXXX XXXX XXXX as these are as a result of identity Theft. I have attached a copy of the report for your record
Product: Checking or savings account

I opened up a PNC account specifically so I could use XXXX. Well when I entered my banking info in, the website said that PNC no longer allows its customers to do transactions with XXXX. Why? Please allow the access of using XXXX.
Product: Debt collection

I disputed these items placed on my credit report by XXXX XXXX XXXX and Unisa Inc with all 3 credit bureaus for {$400.00}. It states it was opened XX/XX/XXXX with XXXX XXXX XXXX and Unisa inc stated opened XX/XX/XXXX as an education loan I never applied for they seem linked. XXXX XXXX XXXX removed it from my credit report after I placed a dispute with all 3 credit bureaus. I look today at my credit report a month later and XXXX XXXX XXXX has placed it back on my credit report again. I have no idea what these debts or installment loans are for I was never sent proof of the debt nor any sort of ledger card  showing I attended the college or there services. I would like proof showing why I owe these debts and how they have my information. I have no knowledge of this debt or debts.They are causing damage to my credit report and I would like to get to the bottom of this with this agency or agencies. I will also be writing a letter to my states attorney general in regards to these companies I have no business dealings with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX