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

I can not start any dispute in my transunion online profile. I can not place a credit freeze in my transunion online profile. I can not place a fraud alert on my transunion online profile. I can not view my credit report in my transunion online profile. I have called in to transunion many times starting XX/XX/XXXX, and XX/XX/XXXX, and other dates. I have asked them to allow me access to my online services. Each time they say they will escalate my inquiry, but to this date there is no results. I can not do anything in my online transunion profile. Please see attached the " error '' messages that I receive when I try to do any of the above. 

Please note that on the XXXX of XXXX I submitted a complaint and transunion claims its resolved, however the same problem still exists. The issue is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Checking or savings account

MoneyLion, or XXXX who is backed by XXXX, have closed my account and suspended my withdrawals, purchases, everything, in which I receive my federal unemployment benefits, due to suspicious activity.. but cant give me a straight answer. 

I have been hung up on many times by reps who are lazy or just dont know what theyre doing. They make it near impossible to speak with a supervisor. 

It is also my understanding that an account receiving federal benefits MUST be reopened within 1 business day after receiving the funds from the depositor. And it is also illegal to freeze funds especially from federal benefits. 

These people have caused myself, and my children to go hungry because my funds are locked up tight with no key. I wasnt even notified of anything on my account. No mail, email, nothing. I will be contacting a banking attorney regarding this as well. 

It even says on my app, that I can use my debit card to make purchases and withdraw cash. Nope, when I went to the atm, it said, unauthorized activity and the other said stolen card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX, through widely available media, I discovered that Equifax had been a victim of a cybersecurity attack that may have leaked millions of American 's private financial information. Based on this information, I went to Equifax 's website and confirmed there was in fact a breach. I used their free tool to see if I may have been an affected individual ; it was confirmed that I was at risk. 

I then went to each of the three big credit reporting agencies ( Equifax, XXXX XXXX ) and froze my credit to protect against fraudulent activities. I was charged {$10.00} each by XXXX and XXXX ( {$20.00} total ). I am unhappy to have had to pay these fees to protect myself from fraud that I am now exposed to due to the incompetency of Equifax. Additionally, I will have to pay future fees to temporarily or permanently unfreeze my reports in the event that I 'd like to legitimately make use of credit services.
Product: Checking or savings account

I collected a {$7000.00} check from a business client on XXXX, XXXX XXXX, XXXX  and took it to the client 's bank XXXX Bank of America ) to cash so I could wire funds to my XXXX. 
Bank of America refused to cash the check because the manager at XXXX XXXX XXXX in XXXX  XXXX said " Bank of America does not have a relationship with me ''. 

This Goes Against what a Checking Account is For! 

Bank of America and they're Bank Manager at XXXX XXXX XXXX or the Bank Manager XXXX XXXX at Bank of America XXXX XXXX XXXX in XXXX, OK DID NOT try to " Begin a Relationship '' with me, just refused to cash their client 's check. I went to the Bank of America in XXXX, XXXX on XXXX  morning, XXXX XXXX, XXXX. 

I explained that my only recourse was to file a Consumer Financial Protection Bureau complaint with your organization. They could have cared less.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent credit card opened under my name listed under my old neighbors address. I would like to press charges against her. credit card company is XXXX XXXX XXXX. the neighbor who stole my identity is named XXXX XXXX from XXXX XXXX Fl XXXX. She works at XXXX XXXX XXXX. she opened a fake account under my name for XXXX $ and maxed it out I caught her from my alerts on my phone. the address of delivery was her XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning ... I checked my credit report this morning and found some hard inquiries that were once removed from my report but somehow reappeared. I was not giving any notifications that these accounts would be added back to my credit report. I did some research and was informed that Transunion had a glitch in their system XXXX and that 's the reason why all my old accounts were added back to my credit report. I called Transunion this morning and spoke with XXXX who states that she was a supervisor regarding these issues. She could n't explain to me as to why these accounts were added back to my account. She also informed me that some of my inquiries will fall off this month, end of this year, and the beginning of next year. She also informed that I could contact the creditors for letters but I do n't understand why I have to repeat this cycle again? Please help me from being victimize. The accounts that I am informing about are ... ....
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1.XXXX XXXX Inquiry from XX/XX/XXXX 2.XXXX XXXX Inquiry from XX/XX/XXXX 3.XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX Inquiry fromXX/XX/XXXX5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a letter correcting personal information and also disputing errors with the following accounts. NOTHING WAS DONE THEY DIDN'T EVEN INFORM ME THAT THESE WERE BEING DISPUTED WHICH IS ANOTHER VIOLATON They are violating the following Consumer Rights Laws : 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.

15 USC 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-1 ( a ) ( 1 ) ( A ) - 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. 

Accounts : 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: Debt collection

XXXX XXXX from TrueAccord contacted me via email on XX/XX/XXXX concerning an alleged debt from an account with XXXX XXXX which was an account from XXXX XXXX XXXX, all of which is not legitimate. 
The XXXX XXXX XXXX  was paid in full prior to the Consumer ( me ) closing the account in XX/XX/XXXX, after that I have no knowledge.

I asked True Accord to validate the debt and instructed them there was to be no further contact with me until they had the ability to validate this alleged debt, however XXXX XXXX from TrueAccord continues to contact me frequently via email on the following dates. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX True Accord acknowledged receipt of the validation request letter on XX/XX/XXXX. 

Attached document is the validation request provided to TrueAccord on XX/XX/XXXX and the acknowledgement that they will not resume collection activity until I have been provided validation documents. 

I have not been provided with any validation documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX Ph # : XXXX Email : XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX This letter is to inform you that I received today that you have resolved the incorrect reporting to my XXXX  report, that was now corrected after filling a complaint with consumer reporting. I now have attached documents to show that you are now reporting incorrectly for Equifax, I am now opening up another complaint, I dont know why you guys cant seem to report accurately that this account is closed down since XXXX. I now show that you have reported that I made an active payment in XXXX of XXXX. How can this be possible if the card has been closed since XXXX. I will now file a complaint with the creditor, the consumer complaint department, XXXX  ; until you also resolve this matter. I have attached a copy stating that it was an error on your end and the account wasnt closed down entirely which created the inaccurate payments to my credit report. I am requesting and demanding you also correct Equifax as now my score has dropped due your oversight, and if the same things happen to my XXXX  report I will open up a dispute on that account as well. 

PLEASE REMOVE ALL PAYMENTS/ MISSED OR NON-MISS PAYMENTS FROM THE YEARS XXXX & XXXX. AS THIS ACCOUNT HAS BEEN CLOSED SINCE XXXX.
Product: Bank account or service

On XX/XX/XXXX, 2008 I bought from XXXX XXXX XXXX, XXXX XXXX silver dollar, graded XXXX for XXXX. 
This quality coin is worth about {$370000.00}. 
This seller, XXXX XXXX from Florida promised me, that this coin is not " enhanced '' ( cleaned, polished, dipped, heated etc ) any way and is really graded XXXX, graded by a numismatic company. 
I asked him for guarantee 30 days money back if this coin will be over-graded. He has agreed. 
On XXXX/XXXX/2008 I sent him wire transfer from my Wells Fargo account for {$3200.00}. 
After few days I received this coin and unfortunately, its quality has high over-graded. Regarding the quality I asked for opinion professional coin dealer, and he said the same. Additionally this coin was cleaned and polished and the value was as scrap, about {$8.00}. 

The same day, on XXXX/XXXX/2008 I have sent complaint to XXXX XXXX XXXX and demanded from him immediately money back, but he did not answered by e-mal and phone. On XXXX/XXXX/2008 this coin was send him back, USPS confirmation # : XXXX XXXX XXXX XXXX XXXX, but my money no refund. 
After few days I failed a claim in Wells Fargo bank ( claim # : XXXX ) regarding this cheating. I asked a banker for help, to withdrawal my money from XXXX XXXX XXXX, however, they refuse to help me and closed this case. 
A women from Wells Fargo bank called me and said, that they will not processed this claim because this person may be dead or fled abroad and is in other country now. 
I was very badly discriminated in Wells Fargo bank and I lost there many money. They told me that I can have only XXXX claims each year and no more. If I will have more complaints, then they will close my account. I knew that a lie, but nothing I could do. 

I was deceived by many cheaters online, and the bank refused me defrauded more than XXXX transactions. 

For this transaction I pledged my jewelry collection in XXXX. My jewelry, more than XXXX pieces of gold with precious stones ( diamonds, rubies, sapphires, emeralds and more ) was worth more than {$250000.00}, but Pawn shop in XXXX offered me only {$3400.00}, this because they counted my gold as scrap and gemstones and synthetic, because stones had no certificates from their professional jeweler. 

I agreed, because I do not expect that this man deceive me and I be able to pick up my jewelry. Unfortunately, I lost all money, the scammer did not refund my money, the bank discriminated me and I lost all my jewelry worth more than {$250000.00}. I have proof from Pawn shop and pictures of the jewelry. I told the banker that I will loos all my jewelry if they will not help me. But she said as above. 
After this incident I decided to closed my account in this bad bank.
Product: Checking or savings account

I completed a business checking application on XX/XX/2021. I contacted the direct banking line on XX/XX/XXXX as I still had not received an update on my application. When I finally got in contact with XXXX XXXX he had me fill out another application and send in documents and ID for all members of the XXXX. XX/XX/XXXX he finally sent over the account agreement but with errors. The errors were so minor he could have literally sent me back the updated agreement ASAP, but I had not heard back from until XX/XX/XXXX which still no changes had been made per our conversation. XX/XX/XXXX to XX/XX/XXXX I had tried to call XXXX and left voicemails 3-4 times and messaged him via IBERIABANK portal several times. When someone finally connected me to him on XX/XX/XXXX, I told him who I was when he picked up the phone and he there was just silence. No apology or anything regarding the delays. My husband also reached out and he rushed off the phone, said he had a meeting and never called back. Which I assume prompted XXXX to reach out to me via the portal on XXXX. It seems everything took a turn once I sent him our personal information that included our age, ethnicity, etc. We have had a credit line and been inside Iberiabanks several times with no issues and that was to actually borrow funds from the company. Now we are at a different phase of XXXX XXXX and need our checking account setup ASAP for our XXXX XXXX XXXX and this has been a total nightmare to deal with. I am not sure whats causing the delay but its causing unnecessary stress and delays with other details of XXXX XXXX The latest email I received says that the account agreement and supporting docs are due within 10 days or account will be restricted. Well, that timeline has passed and there seems to be no concern to our needs as current and continuing customers of this establishment. I have been getting documents back to him same day within the hour each time, but the service we have received has been extremely subpar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within the Transunion report . This  denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Product: Checking or savings account

I was n't getting a high enough interest rate for my savings account at Citibank and went to withdraw my money from the account. The Citigold relationship manager, XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX IL XXXX location of Citibank said, in order to retain my business, he could potentially get me 1 % interest rate on a new savings account he could open up for me. He said that : - Normally I would need to add an additional {$25000.00} to my Citibank account. However, he could override that for me and get me the promotion. 

- I would need to transfer my money from the XXXX branch where it currently resides to his branch. 

We went back and forth on email a few times. After that we spoke on the phone and he said he both transferred my account to XXXX and got me the 1 % interest rate. This was at the end of XXXX. 

I had over {$300000.00} in the account and feel like I am due interest of 1 % for the last 2 months.
Product: Credit reporting or other personal consumer reports

I reviewed my recent credit reports on XX/XX/2024 and observed an open credit card from XXXX XXXX that I did not authorize to open. I sent a letter to XXXX XXXX telling them that this credit card was opened fraudulently, but they refused to investigate the matter. They said, " Looks like this letter came from a credit repair and won't investigate. '' I requested the investigation, but they are not removing this fraudulent account. 

I need your assistance in getting this XXXXXXXX XXXX  credit card removed from my three credit bureaus.
Product: Mortgage

I had been pre approved and I started looking for a house with an agent. After we found a house and made an offer the seller agent informed my agent that I was not not approved. It was embarrassing to find out from the seller agent that I was denied the loan even after I already had a pre approved letter. At this point it makes me feel discriminated and makes me wonder if my background had played a role on the decision not to approve me at the last minute. I lost an opportunity to get the house my wife and I loved and with no explanation. I would think when something like this happens people will get a detailed letter explaining the decision but it has been a very long time and no letter. I had to be the one calling asking for an explanation but not real answers was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 My wallet was stolen. I had State ID and Social Security with {$40.00} dollars in it. I filed a police report and set up an alert for credit monitoring. I have been trying to get in contact with someone in that office to help me verify my Identity and keep getting the run around. I never established I PIN for a freeze and I keep requesting user ID and Password reset and I am not getting any emails with instructions to do so. I recently been aged medical coverage under my mom and have to apply myself. But I can complete the process without verifying my Identity. I was given a number to call from XXXX XXXX to verify my Identity and when I called they said they couldn't help me and asked that I call customer service. ( Which I thought thats who I was talking to. ) Now here I am 3mths later still trying to find out what went wrong and how can I fix this so I dont have a problem applying for anything. Note : I have my new state ID and my social security card with the same number and was told by social security office that I needed to get in contact with experian with the problem Im having. 
Please help me fix this problem
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actio

ns may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding accounts are accurate, without providing any evidence of a thorough investigation or documentation provided from the inaccurate accounts.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The FCRA requires credit reporting agencies to conduct thorough reinvestigations and provide clear proof of account validity. Your repeated failure to comply with these obligations has caused harm to my creditworthiness. The accounts in question are : XXXX. XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX Despite my previous disputes and a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), you continue to report unverifiable information. Your claim of electronic verification is not sufficient under the law, as no physical documentation from the original creditors has been provided to substantiate these accounts.
Product: Credit reporting or other personal consumer reports

This is a formal complaint of reporting information under 15 USC 1681e ( b ). According to the IRS, canceled debt ( Charge Off ) is gross or ordinary income. Income does not get reported on your consumer report. This means the ( Charge Off ), on my reports are inaccurate. These are the companies and account numbers : 1 ) XXXX/ ACCT # XXXX Date : XX/XX/year> Amount {$18000.00} ( Account Closed ) ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX Actions : Called only, no resolution.
Product: Checking or savings account

Bank of America is failing to acknowledge that I am a victim of identity theft after it was made aware multiple times through various means. Today XX/XX/2022 at XXXX XXXX. I have received an email stating that I have opened up a new account ending in XXXX which I did not do. Since XX/XX/2022 when the unauthorized XXXX transaction took place in my checking account at Bank of America I have reached out to them and made sure to request that they no longer offer any service or good or open any accounts through the phone or online as they are not made by me and that they are fraudulent. To this day I am still waiting to be refunded back the unauthorized {$3500.00} that was withdrawn from my account through XXXX. This is not the first time an account has been opened up to my name with the Bank of America, there was a business advantage checking account which was opened the day I went in-person to make them aware of the fraud. Bank of America failed to honor my requests and continues to cause me financial, physical, and mental damage.