23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX at fifth third bank gave me information that was misleading and inaccurate. when i opened my acct. on XX/XX/XXXX i was told by the branch manager at 5/3 that my checks would be delivered to me within 5 - 10 business days, free of charge. i watched the manager order the checks. they have not arrived. i asked about the on-line banking, he set it up for me and it worked. that was on XX/XX/XXXX. a week ago i had to pay bills so i tried to make a car insurance payment using the online banking. and to an error message. on XX/XX/XXXX i went to a branch and they " fixed '' it and it worked once. but then i could not login. my user ID was invalid. so, after working on my login i could login but i could not use the on-line banking. so i called the customer service line and XXXX told me that it takes 14 days for checks to arrive and that they had never been ordered and there is a fee for the checks. i had to wait 30 day before i could use the on-line banking system. all of this information is misleading and bad! i would like to complain about the misleading information they gave me.
Product: Credit reporting or other personal consumer reports

as referenced in XXXX XXXX XXXXXXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXTransunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened two accounts with Ally Bank on XX/XX/XXXX of 2021, depositing {$5000.00} into an interest checking account and {$5000.00} into a savings account. I received a debit card in the mail. 

After a few weeks I tried my first transaction, which I think was a small debit card purchase. My account was immediately locked for suspected fraud... I received notification in the mail. 

I phone Ally Bank on XX/XX/XXXX and aske for the fraud department, where I encountered " XXXX, '' a XXXX XXXX XXXX XXXX XXXX  employee who would tell me nothing and only said he would send a document upload link via email, then hung up on me. 

I uploaded all the requested documents, then waited several weeks. Nothing happened. 

I called back and spoke with XXXX in fraud prevention. She was apologetic, but said none of my uploaded documents were in the file. She didn't know why. She sent me another upload load and promised to track the case to ensure quick resolution. 

I never heard from XXXX. 

Several weeks later I called again and spoke with XXXX in fraud prevention. She said none of the documents from either of the two previous uploads were in the file and offered to send me yet a third upload link, but I insisted she stay on the line to verify receipt. We did three sets of uploads, she confirmed she had all the documents from all the uploads, she said they were more than sufficient to prove my identity ( all of these included a photo of me holding my passport, etc. ), and that this would be resolve within 24 to 48 hours. 

I never heard from XXXX. 

Weeks later, I called and spoke with a customer service agent who could not transfer me to fraud prevention but said she would try to get someone there patched into the line. She was on hold ( as was I ) for about 40 minutes, then she came back on the line. She said the person she spoke with in fraud prevention would not speak with me, told her not to reveal his or her name, and said someone would reach out to me within 24 to 48 hours, then hung up on the customer service agent in his own organization. She was embarrassed. 

No one ever contacted me. So I filed a complaint with the XXXX, who forwarded my complaint to your agency on XX/XX/XXXX. I haven't heard from you, so I'm filing a complaint directly here. 

Your upload system wiped out my entire complaint a few minutes ago, so I've retyped all of this again. Please contact me, and I will provide you with a XXXX  link to all the relevant emails.
Product: Credit reporting or other personal consumer reports

account ending in XXXX and opened XX/XX/2015. Believe it was a XXXX XXXX XXXX XXXX This was repossessed without discussing options to pay or recover. The company refused to provide proof showing attempt was made to sale vehicle at fair market value and balance remaining in report is excessive
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$0.00} XXXX XXXX {$130.00} XXXX  XXXX {$27000.00} XXXX  XXXX {$22000.00} XXXX   XXXX {$6000.00} XXXX XXXX {$1100.00} XXXX XXXX {$0.00}
Product: Checking or savings account

My account was restricted in XXXX and they told me at that time bank determined to end relationships with you, i had one checking account and 2 savings accounts tied to my account, all my tax refund money as well as my wife 's was in those accounts, CHASE bank has yet to send me a cashiers check for remaining balances in my account been over three weeks and nothing, tried calling on multiple occasions and noone cant see any info or notes, need all my remaining money asap. Thats why im filing a complaint towards the bank to recive my cashiers check for remaining funds in my account!!!!! now were in XXXX and still nothing need you to forward this immediately to J.P Morgan Chase Bank N.A please!
Product: Mortgage

According to 15 USC 1681 Citizens Home Loan has violated my federally protected rights to privacy and confidentiality. 
15 USC 1681 602 ( a ) ( 4 ) states I have a right to privacy. 15 USC 1681 604 ( a ) ( 2 ) states consumer report
ing agency can not furnish an account without written instruction.

15 USC 1681 605 ( a ) ( 5 ) states any adverse items of information, other than records of convictions of crimes which antedates the report by 7 years.

15 USC 1681 623 ( a ) ( 1 ) ( A ) and ( B ) Duty of furnishes of information to Provide Accurate information. 
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, and can not continue to report after notice and confirmations of errors. 
15 USC 1681 603 ( 2 ) ( I ) states consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these accounts and inquiries and phone numbers and name is fraudulent I upload proof please correct my information on my report my transunion File Number : is XXXX im a victim of identity theft
Product: Debt collection

Midland Credit Management XX/XX/XXXX I mailed a validation of debt letter I did not receive any information from the company. The company called me twice and sometimes three times a day threatening to place this debt on my credit report. I disputed the debt on XXXX XXXX, XXXX and XXXX XXXXXX/XX/XXXX and XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/2022, I was the victim of a scam that was very sophisticated, impersonating the XXXX XXXX XXXX XXXX ( XXXX ) in XXXX, FL and telling me that I had failed to show up for a court appearance on XX/XX/XXXX and had to immediately pay {$3000.00} or be arrested and have a bond of {$30000.00}. I was completely unaware of this supposed court appearance but because I had been involved as a board member with a set of two organizations ( XXXX XXXX XXXX XXXX and XXXX XXXX ) that has a long and contentious legal battle, it did not seem implausible that I had been summoned to testify. I could not understand why the summons never appeared at my office -- that didn't make any sense. 

I did all my due diligence on the phone with this person who i genuinely believed -- because he had all this accurate in depth information. I ask the person who called for his badge number, making sure there was someone by that name employed at the XXXX. I then asked for his supervisor 's name and he transferred me to that person who also provided me with a badge number. They had citation numbers for me on what they were threatening arrest for. It was a very sophisticated scam and every fact checked out. These scammers had my office address, citation numbers, and very threatening language. 

The person impersonating the XXXX deputy insisted that I had to pay this money in cash or by XXXX or apple pay. I tried to do so to avoid being arrested and kept getting back responses from them that the XXXX financial department. Ultimately I ended up losing {$7000.00} to this sophisticated scammers, money that I had to take from my small business payroll account. 

I filed a crime report with the XXXX XXXX XXXX XXXX, which I can provide for you. 

On Sunday XX/XX/XXXX, I called Bank of America who is the bank that processed the payment through XXXX and XXXX and explained that there was a police report documenting all of this and this type of scam is not very well known and I was trying to avoid getting arrested. We have been 20+ year customers there and I have five accounts with them -- personal checking, personal savings, two accounts for our children, and a business account. They told me there was nothing they do to help us. This really feels unsatisfying given our long term relationship with BOA, the crime report, and the sophisticated nature of the scam, which provided so many realistic details. I truly believe BOA could reverse these payments in the interests of doing the right thing for a long term customer.
Product: Student loan

In response to a previous complaint, AES says the loan was deferred, and again today they told me the loan was deferred. However, they charged {$3000.00} interest. Interest can not be charged on a deferred loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It 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 crimes which antedates the report by more than seven 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. The company took about 37 days. I was advised a response is to be given within XXXX or by law it has to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies which I put on Identity Theft i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Please remove all of them because that was a fraud inquiries. 
XXXX Wireless Telephone Service Provider Inquiry date : XXXX XXXX, XXXX XXXXSales Financing Company Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX & XXXX XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Home Furnishings - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

Hello, Thank you for taking the time to read my complaint. I am requesting my credit score along with co-signer, XXXX XXXX, to go back to normal as there was an oversight with my auto loan. 
I took out a 6-year auto loan with TD Auto in XX/XX/XXXX. I registered for automatic payments however, the last payment was not withdrawn because it was a different amount then I had been paying each month ( XX/XX/XXXX payment ). TD Auto tried to contact me but were sending letters to my previous address ( we moved in XX/XX/XXXX ). These were not forwarded to my new address and I did not receive phone calls regarding the matter. Over time, my loan was sold to a debt collector, XXXX whom Ive been in contact with to resolve the issue. 
I paid the overdue amount in full ( {$390.00} ) the day I found out about the oversight ( XX/XX/XXXX ). 
Please see this as a miscommunication and consider fixing our credit scores. 
Thank you for your time. 
Sincerely, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX under account number XXXX, an personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an cellphone account XXXX XXXX on XXXX XXXX under account number XXXX, and an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

In XXXX 2016 letters containing checks I had mailed to pay bills were stolen. ( Never use a mailbox outside the post office. ) One such check was " washed '' - everything I had written on the check, except my signature, was deleted, and replaced with new information - different payee, different amount, etc., in handwriting completely different from my signature. My bank, US Bank, cashed the check, notwithstanding that : ( 1 ) the ( fraudulent ) endorsement, and all the substituted information ( payee, amount, etc. ) were in handwriting completely different from my signature, and ( 2 ) even more troubling, the back of the check was blank ( except for the fraudulent signature ), i.e., no stamp or any other indication of which institution had accepted the check in the first place. When I asked someone in the US Bank fraud department how they could have negotiated such an obviously fraudulent check, she replied, " Oh, we ca n't look at every check. '' When I wrote US Bank 's CEO, XXXX XXXX, to express my concern about this, which is clearly not merely negligence, but rather willful misconduct, one of  his subordinates replied, confirming that " we 're unable to manually inspect individual checks .... '' To me this is incomprehensible - surely one of the most important if not the most important function of a bank is to take all reasonable steps to verify that checks presented are at least not patently, obviously fraudulent, as this check certainly was. As indicated above, this constituted willful misconduct. 

But that 's not all. What followed has been months, now almost one year, of extensive disruption and an incredible loss of time just trying to put my account in order. I will not detail here all the difficulties I encountered in this regard ( which would have been even worse but for the helpful efforts of a couple of very diligent employees in my branch ), except to note US Bank added insult to injury, or perhaps injury to injury, by adding new charges to the new account I was compelled to open. At this time, a good 10 months down the road, they have refused to eliminate those new charges. In short, I am being penalized for the bank 's willful misconduct!
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

In XX/XX/2019, I called & informed Chase Bank of my financial hardship due to wrongful termination from a previous employer.I wanted to pay my debt with Chase Bank and they informed me that if I enrolled in a " Re-age Balance Liquidation " program & made 3 payments of {$160.00} from XXXX XXXX XX/XX/2019, then my account would be forced current & reported to the credit bureau as current. 

I completed my consecutive payments of {$160.00} between the 3 month time period and my account was reported as current/non delinquent to the credit bureau on XX/XX/2019 and my last payment was submitted on XX/XX/2019 ( Before the due date of XX/XX/2019 ) which added up to {$490.00}. 

On XX/XX/2019, I spoke to Chase Bank to verify if my account was current and I was informed that it was current. On XX/XX/2019, Chase Bank reported my account as delinquent to the credit bureau as 90 days past due in the amount of {$400.00}. 
I called Chase Bank about this issue & they informed me that my account is not current although I completed the " Re-age Program '' and paid them {$490.00} within the 90 day period.
Product: Credit reporting or other personal consumer reports

I was honestly blindsided when I found false accounts on my credit report this morning, with no explanation at all. I routinely check my report, but suddenly, these errors showed up. I thought maybe my browser was acting up, but refreshing didnt help, and those inaccuracies just stayed. Im asking for a thorough check of the documents I submitted, so I can finally stop worrying about this.