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

Please update all of my personal information on XXXX, Transunion, and XXXX. 

My only XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX, OH XXXX There may be individuals that have the same information as mine. Creditors may have entered my name name and address incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not be on my report.
Product: Checking or savings account

On XX/XX/20 I went to Keybank on XXXX XXXX XXXX XXXX NY to open a checking account. I received a flyer in the mail that if I opened a new checking account with Keybank they would give me a {$400.00} bounus. After they made a profile, they started to open an account and told me that thei was a problem with my XXXX   account. They told me to call XXXX and would not open an account until the issue was resolved.. The XXXX report had no issues except that on the same day Keybank tried to open my account they put an incorrect address in my profile. I contacted Keybank and they told me they would work with an Executive Lead to get the XXXX error removed. I did not hear back and asked that the branch manager get involved. I still have not heard back from them and they do not answer my emails anymore. 

The 2 issues are : Keybank put an invalid address in my profile which I need corrected Keybank is not honoring their {$400.00} bonus..
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

on or around the date of XX/XX/year> cash app took funds from my cash app account in the amount of {$1000.00} dollars because the cash app user $ XXXX filed a fraudulent claim that he had mistakenly paid the amount to me when in fact he willing and purposely sent that payment to me. when i informed cash app of the situation they told me it was nothing they could do, after taking my funds. I have the proof in text messages that this payment was indeed sent to me correctly, but cash app told me it was nothing they could do.
Product: Mortgage

For 3 weeks I have been receiving mail from Truist bank regarding a mortgage being taken out by XXXX XXXX on our property. After receiving 2 pieces of mail, my XXXX XXXX XXXX mother, XXXX XXXX and co-owner of the property, googled XXXX XXXX to obtain her phone number. The XXXX search found that her family owns the property located at XXXX XXXX XXXX, in XXXX XXXX PA. It seemed innocent enough at first. My mother called XXXX XXXX regarding the mail and XXXX XXXX XXXX proceeded to tell her that she is a property title transfer specialist and works regularly with Truist bank. Now we are afraid that she is trying to steal our property. She has called many times demanding the return of the mail. We have attempted to contact Truist bank regarding the matter. My mother called the first time and they blew her off. I called at XXXX on XX/XX/21 and obtained the number for their fraud dept. I spoke with someone at XXXX on XX/XX/21 who stated that there is nothing that they can do without an account number but after much insistence, the rep forwarded a note regarding suspicious activity to the fraud dept. I have not heard back from them. My mother has contacted my mortgage company, XXXX, who stated there is nothing that they can do. I obtained a copy of my credit report which was clean and opened a case with XXXX. I have obtained the names of several attorneys.I have submitted 3 identity theft and mail fraud claims with the US Postal Inspection Service : XXXX, XXXX, and XXXX. My mother filed police report XXXX XXXX. The USPIS advised me to keep the original mail. However, since it is not addressed to me, I was unable to open the mail per federal law, to obtain an account number for the bank. I hope you are able to assist in clearing this up. Thank you.
Product: Credit reporting or other personal consumer reports

I request the prompt removal of these unapproved inquiries from my credit report, as they are adversely affecting my eligibility for loans and access to credit. Furthermore, I would appreciate any documentation or confirmation once this issue has been addressed. 
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 reporting, credit repair services, or other personal consumer reports

Some companies are reporting me as late even though I'm not that's why I need you to look at the attached documents to understand what happened.
Product: Debt collection

I joined a Debt Solutions company XXXX XXXX XXXX on XX/XX/XXXX - I added all my creditors to this company including Barclays card ending in XXXX the amount of {$9300.00}. On XX/XX/XXXX XXXX and XXXX XXXX, XXXX. Debt Collectors took over the Barclays Bank Delaware account. 

This was taking over by debt collectors from XXXX XXXX XXXX XXXX XXXX took over this account on XX/XX/XXXX and the account number was switch to account number ending XXXX and the amount of {$9300.00}. 

The agree settlement amount was agree to {$4300.00} and last payment was paid in full on XX/XX/XXXX. 

I finished with my debt solution company was called XXXX XXXX XXXX now XXXX XXXX XXXX to settle and pay off all my creditors on XX/XX/XXXX. 

Barclays Bank Delaware is claiming I still owe them over {$9000.00} and that they were never paid anything from the debt collectors that over this account and even cause the account number to switch in the end. This is causing a negative effect on my credit score from an account that was settled and paid.
Product: Credit reporting or other personal consumer reports

Transunion, Reviewing of my credit report, I cant explain why all this erroneous reporting inaccurate account below which are not mines are listed below. 
Section 609 states that you're required to send me the paperwork associated with this account showing my wet signature. 

I need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. 

No proof? Then you can not report delete this unverified and inaccurate account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ,
Product: Debt collection

TODAYS DATE:XXXXXXXX XXXX XXXX XXXX  SOC SEC XXXX XXXX XXXX XX/XX/1968 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/1968 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX Inquiry : XXXX XXXX, 2017 +  XXXX XXXX XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX XXXX, 2017 + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX Someone applied for credit, unknown person, and this company had 2 hard hits on my credit, ran my credit without my permission. Someone applied online and had items shipped to Florida, Walmart is still sending bills, I want these hard hits removed from my credit and I want Walmart to remove this credit card and stop sending bills. This is dropping my credit score and needs to be taken care of immediately! I am seeking an attorney, and will take action against them in the event I do find one.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX .... Balance : {$40.00}
Product: Checking or savings account

Bank of America advertises a " Notary Service '' for it's Checking Account customers in California. This is publicly disclosed on the website ( https : //www.bankofamerica.com/signature-services/notary/ ). 
I attempted to avail this service at the branch in XXXX XXXX, CA located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I had an appointment in place taken from the Bank of America mobile app. 
However, on arrival, the bank staff inform me that they are unable to notarize the document in question since it isn't a Bank of America originated one. This, in my opinion, is misleading customers on the features & facilities available with their checking account. Given that a Notary Public is a service sanctioned by the Secretary of State, it is highly unreasonable to limit the services. If such services are to be limited, the bank should clearly state on the website.
Product: Student loan

On  XX/XX/XXXX I  contacted  Sallie Mae abou t my student loans. I lost my job and was seeking a deferment. I was told by the person I spoke with that I can defer my payments for 3 months at a time. I had to make a {$50.00} payment towards each loan. I was instructed that the payment was going to be made on   XX/XX/XXXX . I wa s also told that I would be deferred  for XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . W ith option to continue deferme nt by  XX/XX/XXXX  or m ake my payment.   On   XX/XX/XXXX  m y co-signer received a letter stating I was behind on my payments. My co-signer contacted  Sallie Mae a nd the person he spoke with insisted there was no arrangement made with them to defer my payments. He insisted that she double check. She came back on the line and said yes there is a plan setup for deferment, however it does n't start until the good faith payment is made o n  XX/XX/XXXX .    My co-signer asked to speak with a supervisor. The supervisor said that nothing could be done and if the payment was not made for the delinquent account that it will be reported to the credit bureau and effect his credit. Now they  had him pay for XX/XX/XXXX  and XX/XX/XXXX  payme nts totaling {$710.00}.   The information tha t Sallie Mae provi des their clients with is false or they do not know what they are talking about.   On top of that bac k in  XX/XX/XXXX , th ey showed my payment on  XXXX  account to be 60 days late. My co-signer ' s credit score  plummeted from  XXXX  to  XXXX . However I had automatic payments setup for both accounts, but  the one account w as never deducted from my bank account.   The way  Sallie Mae do es business is terrible. The employees do not know what information they are giving to people, they also use bullying tactics to get money from the person that took out the loan.   They will call and leave no message, then call your co-signer before you have a chance to call them back.
Product: Debt collection

I was told I owed {$3000.00} to XXXXXXXX XXXX XXXX XXXXXXXX XXXX I was contacted by Transworld Systems Inc., the debt collector in question. I was charged on XX/XX/2022. I filed a complaint to the company saying that this was the result of identity theft. Transworld Systems Inc. is located on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX. Their contact phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH XXXX and TRANSUNION OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XXXX.I DO NOT RECOGNIZE THESE INQUIRES AND XXXX CREDIT BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXacct# XXXX  XXXX XXXX -acct# XXXX XXXX XXXX XXXX-acct# XXXX  Us dept of EDU/XXXX/XXXX-ACCT# XXXX  
* IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT #XXXX, XXXX, XXXX, & XXXX  HAS VIOLATED MY RIGHTS.

* 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY

*15 U.S.C 1681 SECTION 604A SECTION 2:IT ALSO STATES CONSUMER REPORTING AGENCY CANNOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

In XX/XX/XXXX I had a cable account with XXXX XXXX XXXX XXXX  every month Bill would increase every month I called to have it resolved they would correct it.The following month same thing would happen and say they had no record of my calls this continued for 3months I finally told them I was cancelling paid my bill in full, and returned their equipment thru XXXX in that same week of canceling in their alotted time frame .Their claim is I owed for late equipment at the amount of XXXX .I went a year back in forth faxing my receipt from XXXX where I sent it back on time phone calls with every call no record of me speaking to individuals even when I would repeat their name and badge number. I recently found XXXX XXXX XXXX had sold my so called debt to ic systems which put a debt of XXXX on my XXXX XXXX report on XX/XX/XXXX. I placed a dispute with XXXX XXXX case number XXXX with no avail with that being said I don't feel as if XXXX XXXX investigated thoroughly partially being my fault I don't feel as if I gave them enough info but I did in fact try to contact them with more info and never received a reply thank you for your time and I hope if nothing else people will stand up against companies like XXXX XXXX XXXX I know I'm not the only one they have done this too.i have since then bought a house and all my debt is in good standing and on time..
Product: Credit reporting or other personal consumer reports

I am expressing my profound disappointment and frustration regarding the handling of my many attempts to remove fraudulent items from my credit file. Despite numerous efforts on my part and the provision of extensive evidence, the response from your company continues to be inadequate, leaving me deeply concerned about the integrity of your processes and the impact on my financial well-being. 

Despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been unsatisfactory and have failed to provide any indication of progress towards resolution. This ongoing lack of accountability and transparency has left me feeling helpless and disillusioned with your company 's ability to handle this matter effectively. 

Conduct a thorough and expedited review of my case, with a firm commitment to prioritize its resolution. 
Immediately remove all fraudulent items from my credit file and provide confirmation of their deletion. 
Provide transparent and regular updates on the progress made towards resolving this matter, including specific timelines for action. 

Failure to address this complaint promptly and effectively will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights and interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In CFPB complaint XXXX, I attempted to close my deceased mother 's XXXX ' XXXX savings account and collect her remaining funds. 

During the course of handling the complaint, Wells Fargo employees fraudulently claimed they can not close the account and send the funds to me because it is a joint account. That is false. At one time the account was joint in that she owned it with her husband, but he died on XX/XX/XXXX. She provided Wells Fargo with the death certificate, and they removed his name from the account. After that the account was in her name only. Additionally, on two other occasions I have provided Wells Fargo with a copy of her late husband 's death certificate. Wells Fargo needs to close my deceased mother 's account and send the account funds to me no later than XX/XX/XXXX. 

I wish to have ALL communication with Wells Fargo done in writing.
Product: Mortgage

In the process of refinancing. My partner had a bankruptcy and its not closed yet due to some property being sold. SLS stopped reporting our payments to the Credit bureaus. 
We are applying for a new VA loan. When the new mortgage company contacted them they said we were late with XXXX payments. We have our cancelled check ( attached ) that show we have made all payments and are not late. We have to have a clear report from them and they have made if very difficult to get items needed. Thank you for any help. I think my loan is conventional fixed. 

XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has all 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 : States a consumer reporting agency can not furnish an 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 record conviction of crimes which antedates report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) : States 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

Last XXXX I opened my XXXX account with XXXX, I was told that if I opened up a store card ( credit card ) through synchrony bank that I would get a discount. So I got my discount on my XXXX purchase and my only purchase on the store card. Well the lawn mower tires that I bought were not the right size so I sent them back to XXXX and got a 100 % refund which I have been told by XXXX at least XXXX times which was supposed to take the balance off the card. I have made no other purchases with the XXXX store card which I have confirmed by XXXX but yet in XXXX Synchrony bank said I had a balance of {$3.00}, I did not get a billing statement for {$3.00}. I did get a bill in XX/XX/XXXX for a bill around XXXX dollars which confused my wife who called XXXX shortly thereafter. XXXX told my wife to disregard the bill because there was n't any balance on he account and no purchases have been made. On XXXX XXXX me and my wife entered a XXXX XXXX dealership eager to buy the motorcycle that we have been wanting to get for more than 4 years only to find out that my credit was shot due to unknown reasons. We came home that night and I pulled my credit report and it showed that XXXX has been showing my account late since last XXXX. When I called them on XXXX XXXX XXXX told me that they I have no idea what the charge is on the account because all money was refunded back to the credit card and no other purchases were made. They then transferred me to synchrony bank collections who told me that I had to write a dispute letter because my account balance in XX/XX/XXXX was {$3.00} and has been delinquent ever since I asked them what purchase was made and they said they could not tell me and did not know. That is when I decided to contact you through this letter.