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

I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item 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. 

XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/1997 Balance {$0.00}
Product: Checking or savings account

I asked for my XXXX XXXX XXXX to be added to my personal checking and savings account. The bank messed up the first, 2nd and 3rd attempt to create this change, which they admit is due to training issues. The errors they made caused my paycheck from my employer to be auto rejected because they froze my account without my knowledge. My employer then had to mail me a paper check. Also, my credit card payments were not made on my auto-pay since they froze my account. This caused NSF fees to be applied. I have spoken and met with the assistant manager XXXX XXXX, Manager XXXX XXXX, Vice President XXXX XXXX, and various other staff, but the NSF fees have not been resolved as of today.
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPLE IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern I recently received a copy of my consumer report ( XXXX, XXXX, TransUnion ) and I noticed that it is reporting my experience with your company. 



The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. 





Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( I ) EXCLUSION Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) - subject to section 1681s-3 of this title, any - ( i ) reports containing information solely as to transaction or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES Transactions or experiences between the consumer and the person ( creditor name ) making reports is not to be included on my consumer report! 



Utilization is an experience with the lone of credit that was extended between me, the consumer and the person ( creditor name ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC1681a 2Ai by reporting this transaction or experience ( utilization ) on consumer reports which congress clearly states IS NOT included on my CONSUMER REPORTS You have 10 calendar days to update my utilization score to 5 % or below and or delete all utilization from the below accounts XXXX 30 % XXXX XXXX 85 % XXXXXXXX XXXX 39 % XXXX % XXXXXXXX XXXX 40 % XXXXXXXX XXXX XXXX XXXX 10 % XXXX 3 % XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 91 % XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXespond satisfactory with deletion of the above utilization score, will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of character Negligent noncompliance Civil liability Mental anguish Fair credit reporting act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance 15 USC1681n
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute Fraudulent Accounts on My Credit Report To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent information listed on my credit report. For far too long, I have been trying to resolve this matter, but my concerns have been ignored, leaving my financial reputation in jeopardy. This negligence is unacceptable and must be addressed immediately. The accounts in question were placed on my report as a result of fraudulent or misleading actions. I have never had any relationship with the company responsible for these accounts or the original creditor. Furthermore, I was incarcerated for several years and was only released within the last six months. It is impossible for me to have opened or managed these accounts during that time. These accounts are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit bureaus ensure the accuracy and validity of the information they report. Your failure to investigate and resolve this matter in a timely manner constitutes a breach of this legal obligation. I demand that you immediately : Conduct a thorough investigation into these fraudulent accounts. Remove all false information related to these accounts from my credit report. Provide me with written confirmation of these actions, along with an updated copy of my credit report. This matter requires your immediate attention. Should you fail to resolve this issue promptly, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as pursuing legal action to protect my rights. I expect a resolution within 30 days, as mandated by the FCRA. Please direct all correspondence regarding this matter to me. I trust you will take this situation seriously and act accordingly. XXXX XXXX Account info XXXX XXXX XXXX Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account info Account number XXXX Credit Pull On My Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Filed a dispute with collection bureau. Collection account was deleted. A week later Common Wealth added the collection back to my credit report without any contact with me stating why.
Product: Checking or savings account

About XX/XX/XXXX, I opened a Chase account and transferred money into it. It was immediately closed and i was told my on phone support to visit a physical location. I then visited the physical location, for them to tell me my account was closed and I would be getting a check in the mail in 14 days with the accounts closed funds. That was more than a month ago...

I was told it was closed on suspicion of fraud, I'm assuming because I'm in the military and have been traveling around a lot this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , IL XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Bank account or service

On XXXX XXXX, 2015 I visited the drive through at First Merit bank in. XXXX. Michigan. XXXX XXXX XXXX XXXX , Michigan XXXX. I deposited XXXX checks totaling {$3500.00}. I asked for {$200.00} cash back. Please see attachment of deposit slip. I put that the {$3500.00} with the {$200.00} cash kept that I was making a total deposit of {$3200.00}. The math is obviously wrong. The deposit was to be {$3300.00}. There is a {$100.00} discrepancy. The math error was my fault. The teller gave me {$200.00} in cash and I was given a total deposit of {$3200.00}. Nothing was said and nothing was corrected on my deposit slip. I counted the {$200.00} given in XXXX twenty dollar bills and drove away. I later examined my deposit slip online and noticed the error. I brought it to XXXX 's attention at First Merit bank. She told me that I was given {$300.00} in cash that day to correct the error. I was not. I was given {$200.00} in cash. I asked her for the bank video and she said that there would be none. She refused to give me my money back. The deposit slip says it all. The math is wrong and there are no corrections on it. I was only given {$200.00}. I certainly would notice if I was given an extra {$100.00}. I know {$100.00} is not a large sum of money and maybe not worth this hassle but I feel cheated to and lied to. This is not fair. Please examine the handwritten deposit slip. I have front and back from my transaction. It is not corrected but it cleared the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to look at my credit because I'm in the process of purchasing a home. I see several inquiries on my credit report that I did not authorize to be ran. Please remove these inquiries from my credit XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX  Of XXXX XXXX from XXXX XXXX, XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX  Of XXXX XXXX from XX/XX/XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX  XXXX XXXX from XX/XX/XXXX XXXX  XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX.
Product: Debt collection

I received a letter from Midland Credit Management and their Attorney 's stating that I owed XXXX XXXXXXXX XXXX {$2300.00}. I do not owe this money, I did not authorize or apply for this account they are trying to collect this debt for. This is a fraudulent account and I have asked for proof that this was my account and they could not provide proof. Please remove the XXXX XXXX XXXX  Inquiries from XX/XX/2020. 
Please also remove all incorrect address as follows from XXXX, XXXX, XXXX and all other credit reporting companies : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX  XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX. 
Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Subject : Dispute of Inaccurate Information Dear, XXXX  XXXX, XXXX, equifax, XXXX I am writing to formally dispute certain information in my credit report. I have reviewed my report and found that there are accounts listed for which I do not have any information or knowledge. This is a request for you to investigate these accounts further, as I believe they may be inaccurate. 

According to the Fair Credit Reporting Act, I understand that I am entitled to request an investigation into any information that I believe is incorrect. I would appreciate it if you could conduct this investigation within 15 days of receiving this letter. 

If you are unable to verify the accuracy of the disputed information, I request that you remove it from my credit report immediately. 

Please find enclosed copies of any relevant documents that support my dispute. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit card

HARD INQUIRY for Bank of AmericaXXXX XXXX XXXX XXXX XXXX This is not me! I didn't apply, inquire OR request! I tried calling them. Totally automated!
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/year>, at XXXX i had received a request on CashApp ( my account is XXXX XXXX ) requesting money in the amount of {$2600.00} from XXXX XXXX XXXX cashApp account XXXX XXXXXXXX ) which was the exact amount that i had in my cash app account. After receiving that notification XXXX minutes later the request to transfer those funds was sent to XXXX XXXX. I was the only person how had access to my phone and account at that time. I ended up walking up in the middle of the night and saw the money was gone from my account. I contact Cash App numerous times to get the money back and for them to only tell me that there was nothing for them to do to get the money back unless I contact the company that took the money. I did reach out XXXX XXXX company and have proof in writing that they do not use CashApp to receive payments to their insurance company. i did provide that information over to CashApp and they told me that they can not refund my money back at all. I have proof of the online conversations with Cashapp and written proof from XXXX that it was a scam person that stole our money. Please help!
Product: Debt collection

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Product: Debt collection

On or around XX/XX/XXXX, received an email stating that this company has my account. I've emailed back on the XXXX requesting verification of the dept. 

On XX/XX/XXXX, received another email stating that they are going to contact the original holder, and will send me the information. 

Today, almost 30 days later, never received verification of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX and XXXX credit report, A collection agency is reporting a debt ( {$44.00} & ) that was included in my bankruptcy as collection accounts and money that I still owe. My  bankruptcy was discharged XXXX 2011. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm attempting to temporarily lift a credit freeze with Experian. The website service says it can not lift the freeze and directs me to call a number. When I call the number ( XXXX ), the automated phone system will not let me speak to a real person and will not give me the option to unfreeze my credit.
Product: Debt collection

Spam calling every XXXX days example called on XXXX and XXXX XX/XX/2023. I have called the company 3 times explaining that I have had this phone number for XXXX XXXX and I was not the person they were looking for. This has led to nothing but more phone calls that wont stop. Below is the text of the calls as I refuse to answer any calls from this company anymore. 

The following is a pre-recorded message this message is from XXXX XXXX at regional acceptance corporation calling with important account information please contact our office toll-free at XXXX at your earliest convenience again our number is toll-free XXXX regional acceptance is located at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX thank you for your attention to this matter
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check from a Freelance company that I thought was legitimate, the check was returned on XX/XX/XXXX. On XX/XX/XXXX, I woke up with card fraud. I typically work early and I rushed. I did not check that this happened until later in the day. Did not receive a confirmation on a XXXX transaction made with XXXX XXXX ( XXXX ) but I did receive a {$500.00} transaction notice but I received it the night prior on XX/XX/XXXX at night. I sometimes do not check my emails right away. 

I called immediately as soon as I was made aware of these charges. I realized that all of the occurrences happened simultaneously and I have proof that the fake check was not created by me but sent to me. I did not however authorize any of the other transactions. 

I have been trying to talk to Chase regarding this for the past 3 weeks. My initial temporary credit was deducted this Saturday because the claim I opened was denied. I have been going back and forth with Chase giving me vague information about providing more information or evidence without specifying anything. I then finally got them to tell me that providing an IP address as documentation can allow me to reopen it, but again they were extremely hard to work with and this was getting out of hand. I did start to raise my voice in this matter during my calls out of frustration because no one seemed to believe me or help me. I did NOT c create this fake check and I did NOT authorize any of these payments at all
Product: Credit reporting or other personal consumer reports

two hard inquiry was on my account after I ask to get them removed. called to get the hard inquire off my account, talked to an fraud investigator who said they would take the inquire off. but they only took one off when checking my report I still see that the inquire is still there.
Product: Checking or savings account

In XXXXXXXX XXXX XXXX  transactions were made on my account that I did not authorize I immediately contacted chime and replaced my cards. They have not disputed the right transactions or all of them that I filed over and transactions are missing online that I have screenshots of proving this matter and I'm always on the phone for over an hour and get hung up on. The last time I tried to resolve the issue I requested proof of all the transactions and documents on the disputes I filed for and reason to why it's taking so long to settle them and what happened to all the missing transactions and I just get a run around now I'm seeking further help.
Product: Debt collection

I received an update to my credit report stating that I owe {$740.00} to XXXX XXXX XXXX as of XX/XX/2022. This is incorrect. According to the FCRA it is illegal to re-age a collection. I was unaware that this collection would be updated because I was not sent a notice, nor have I contacted them about this collection in over a year. I would like for this debt to be changed back to its original date.
Product: Debt collection

Unifund CCR Partners put a hold of {$5000.00} on my checking account. I never received anything in the mail in regards to this debt. They state I owe {$11000.00}, I do not have any debt, have not had a credit card since 2002. Nothing shows up in my credit report. 
I am XXXX yr old man, on SS and workers comp. The bank XXXX, let this happen as well. I have my SS and XXXX direct deposited to my account. Both XXXX and Unifund are in the wrong. This was done on a Friday and I am not able to do anything until Monday. This is causing me stress as I am on a fixed income. 
I am taking legal action for this illegal practice. How can a company put a hold on money without proper notification. I never received a summons.
Product: Credit card

On XX/XX/XXXX, there were XXXX charges on my credit card that were processed in Florida. I contacted the bank Citibank, and told them they are not mine. At that time they took them off my charge card. 

On XX/XX/XXXX. I received a notice in the mail that one of the charges was a valid charge. Again I called and said it is not mine. On the paperwork they sent it shows a name and address of a person who found my information somewhere and made XXXX charges. They charged me back for XXXX. I want Citibank to remove this charge from my account. I have called so many times. And still they do nothing. I am XXXX and feel that I am being discriminated again. That I am an old and they can take advantage of. 

Please help me with this problem. 

This person charged a card that was closed. Citibank should have not lets those charges go thru. They should have stopped this person from using this card ending in XXXX. This card was closed.
Product: Payday loan, title loan, or personal loan

After paying off the payoff on my loan Bank of the West send me another payment book for 11 payments. I tried dealing with this company about the total amount of my pay off without no regards they have not given me an answer just give me the runaround on the phone over and over and over and over again very stressful dealing with their customer service I filed a complaint with XXXX XXXX XXXX number XXXX the West never replied all I want is the title to my vehicle
Product: Debt collection

This debt collector Credit Control LLC put a debt collection of {$1000.00} on my credit report and I have no idea what it is. I don't recognize this debt collection. Please remove this debt collection from my credit report immediately.
Product: Mortgage

Issues : ( 1 ) Truist Bank has yet to close the HELOC that belonged to my deceased husband as promised, and ( 2 ) Truist Banks behavior is abusive.

Description : My husband opened a HELOC with SunTrust now Truist Bank in his name only, and on property that was owned by us jointly. My husband passed away on XX/XX/2021. My husband never made a draw on the account and owed no fees. I dropped off a copy of the death certificate with the branch shortly after my husband passed away. I was present when XXXX XXXX, XXXX ( Senior Relationship Banker ) faxed a copy of the death certificate to Truist Banks consumer loans department. I later mailed and faxed a copy of the death certificate to Truist Bank. Truist Bank has never acknowledged my husbands death. 

Truist Bank provided conflicting information about this HELOC. Truist Bank told me that it needed to add me as a so-signor to the HELOC. I questioned this claim. I called both the direct line for consumer loans, and I called and visited the branch. As a result of these calls and visits, Truist Bank promised last fall that it would close the account. However, I learned this spring that it had not done so. As a result, I visited the branch again and was told by XXXX XXXX ( Branch Leader ) that I needed to complete several forms before Truist Bank could close the account. XXXX XXXX assured me that the account would be closed. Yet several weeks after my visit to the branch and despite assurances that it would soon close the account, Truist Bank force-placed insurance on my home and sent an invoice for {$1700.00} to my deceased husband. 

I am an XXXX woman. This matter has caused a significant amount of stress. As a result of Truist Banks behavior, I spent hours trying to resolve this matter. I want Truist Bank to remove the force-placed insurance, remove any liens, remove all liability, waive any charges, and close this HELOC.
Product: Credit reporting or other personal consumer reports

There is an unknown inquiry on my credit report listed as : XXXX XXXX XXXX  XXXX As noted on my credit report, I am a victim of identity theft as a result of a data breach. Someone is applying for multiple loans in my name, and my spouses.The inquiries must be removed as they are damaging both of our credit. My husband will be filing complaints as well.
Product: Checking or savings account

They are ordering new debit cards from my banks and credit cards and then are trying to use them
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection accounts were added to my credit report on XX/XX/XXXX for {$620.00} and on XX/XX/XXXX for XXXX. I sent 3 rounds of debt validation request to Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as a complaint letter stating that the collection agencies failed to provide proof of validation for these debts. Equifax responded to me on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each response consisted of a copy of my credit report stating that the debt had been validated. Equifax has yet to provide me proof of these claims such as a copy of an original contract with my written signature on it or any information as to who they spoke with during this investigation or what evidence was provided to validate this debt. Equifax is violation of section 609 of the FCRA by continuing to report inaccurate information on my credit report.