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

I opened a new online with Suntrust online on XX/XX/XXXX. A debit card was supposed to be issued to me. I called Suntrust customer service on XX/XX/XXXX to inquire if the debit card had been sent because I did not receive it. I was advised to wait until Monday XX/XX/XXXX to see if it arrived by then. However, I never received the debit card. 

On XX/XX/XXXX, I logged onto the account online and saw a {$480.00} withdrawal that had been made on XX/XX/XXXX. I called Suntrust to report this as fraudulent because I never received the card. I received an automated email from Suntrust on XX/XX/XXXX stating there was a hold on a deposit made on XX/XX/XXXX I logged onto the account online and saw an ATM deposit of {$5500.00} had been made. I did not make this deposit and I reported this as fraudulent activity as well, through the Suntrust website. 

At some point during the next week, my online account access was revoked. On XX/XX/XXXX, I received two form letters, one for each claim, stating that my claims were denied. On XX/XX/XXXX, I called the phone number listed on the form to determine why the claims were denied. The customer service agent would not provide any information but stated that I could request that documentation be provided to me. I made a request for the documentation to be emailed but was told it could only be sent via mail. So I requested that it be mailed to me. However, I never received any documentation. I was told that I could appeal the decision and that a rebuttal form would be sent to me. I received that form via email on XX/XX/XXXX. 

On XX/XX/XXXX, I also went into a local branch for assistance with the issue. I was notified that my online account access was revoked because the account had been frozen. I asked to withdraw the funds remaining in the account but was told I would not be able to do so. On XX/XX/XXXX, I returned to the local branch with the completed rebuttal forms and they faxed them to the fraud department along with completed affidavits of fraud. I attached the police report showing that we had reported mail being stolen along with hotel and rental car receipts showing that I was in Arkansas when the fraudulent transactions occurred in Georgia. 

Despite calling numerous times over the next month, I was never given any information about the status of my case or allowed to access my remaining funds. On XX/XX/XXXX, I received emails stating that my fraud claims were denied. After calling and speaking with customer service, I was told that I could not appeal again. No explanation was provided as to why the claims were denied. Once again, I made a request for the documentation to be provided re the denials. To date, I have not received any documentation and Suntrust continues to hold the funds remaining in my account ( approximately {$500.00} ).
Product: Mortgage

I was informed by keep your home California to enroll in the " Unemployment Program : Forbearance Plan '' with my bank CHASE. Then I was informed that I was accepted on the program and they ( CHASE XXXX sent me a forbearance agreement saying that I should not be paying any monthly amount. Later, XXXX XXXX XXXX informed me that if I wanted to make a payment I could. I said no because I read in the agreement in section " B '' that " your monthly forbearance payment amount [ is ] {$0.00} ''. Thus, I started not making payments according to the agreement. After a few months XXXX XXXX 2014 ) of no payment and checking with them how the process was going then I found out that I was been reported as late all this time, not as in forbearance as should of been. Indeed, I received a letter in XXXX XXXX stating that I was past due. When finding this out I started making payments and complained to them for the wrong information given to me and they said it was not their fault. I complained also with XXXX from XXXX in XXXX XXXX as I think they are partners. He said he " will check into it ''. In the same month I got another letter from Chase saying that I was approved for a loan modification program and payment plan was detailed there for me. It seems like the information about the forbearance was not processed properly within their company and now recently I 've found out these late payments are reported in my credit report. I have been adversely affected by that going in my score from the XXXX 's to the XXXX 's. In XXXX I also spoke to XXXX about the forbearance and my issue with my credit score, he was the person who finally ended up processing my loan modification. Until this point they have not done anything to fix their mistake.
Product: Debt collection

The amount is in correct. On my report stated my loan was {$810.00} with a balance of {$490.00} owed. I have been paying them {$25.00} every two weeks. So far I have paid them {$370.00}. But, we I reached out to them because I didn't see my balance change they said I owe the whole balance. And the company name is different from my report. I have proof from my bank account. So, then he changed the amount owed after I talked to him to the {$390.00} balance. And they are reporting that I'm not paying on my report.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Student loan

They convinced me to keep my loans on forebearance for a few years until I was no longer eligible for forebearance. After that, my balance due skyrocketed and I was asked to start paying a larger amount every month than I can reasonably afford.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my dispute on XX/XX/2023, and the credit bureau have not responded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX clearly states they ordered TRANSUNION to REMOVE all comments INCLUDING " and dispute investigation completed, consum ; CLOSED '' and TRANSUNION has not adhered nor respected this. Surprisingly XXXX made the correct updates, but TRANSUNION has not executed these changes. I demand TRANSUNION take the proof I am submitting AGAIN & REMOVE ALL COMMENTS AND STOP ADDING NEW ONES : " and dispute investigation completed, consum ; CLOSED '' The only thing this account should say are the ORIGINAL COMMENTS : CLOSED PER CONSUMER. IDK why XXXX XXXX or any of these credit bureaus put notes on an account I NEVER disputed and that has been archived for years. These people just like to make people 's lives XXXX & disrupt their livelihood.
Product: Mortgage

In XXXX of XXXX my XXXX XXXX XXXX unexpectedly, which caused a huge financial strain within my household. I applied for my XXXX modification in XXXX ( XXXX ) & the mortgage company reduced my mortgage by {$100.00}. The {$100.00} reduction did not relieve my struggle. After applying for a modification again in XXXX, I was denied a modification due to insufficient income. After getting a Certified Counselor from XXXX XXXXXXXX involved, once again the modification was again denied, for the same reason ( insufficient income. I have lived in my home for more than XXXX XXXX and I would love to reside here. 

Please help me remain in my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Product: Credit card or prepaid card

This is a complaint on the advertisement practices of XXXX website and how they are luring customers to apply for their credit without asking for full XXXX and mentioning about a hard enquiry throughout the process. 

XXXX ) I selected XXXX as the payment type on XXXX XXXX and it redirected me to their website. 
XXXX ) I selected my XXXX credit card on XXXX 's website to pay for the flight and it suggested and gave me an option to use PayPal credit and I could get {$40.00} off from this transaction. 
XXXX ) It sounded like a credit limit BMPL companies like XXXX gives without doing a hard enquiry. 
XXXX ) They didn't mention at all that this is an application for a credit card and there will be a hard enquiry. 
XXXX ) They didn't even ask for my full social security number. 
XXXX ) After I applied for the credit card, they said I'm approved for {$5000.00} and gave me {$40.00} off from next XXXX transaction. 

The whole process is luring customers like me with {$40.00} to apply for their credit card without mentioning that there will be a hard pull and it can affect my XXXX XXXX. 

My score dropped by XXXX points in XXXX and XXXX points in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I sent a letter to the US Courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter back from the US courthouse stating " They do not report any Bankruptcies or verify any information with anyone. '' XX/XX/XXXX, I sent a letter to XXXX Courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter back from XXXX  Courthouse stating " They do not report any Bankruptcies or verify any information with anyone. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681.

US Courthouse tracking number : XX/XX/XXXX - XXXX XXXX attempt : I sent a Bankruptcy Investigation letter to Lexis Nexis XX/XX/XXXX, I got a letter back XX/XX/XXXX stating that the Bankruptcy was verified through the courts. I sent a letter XX/XX/XXXX to Lexis Nexis with court documents stating the courts does not verify nor contact the credit bureaus with any information, I asked them to delete the Bankruptcy. I get a letter back from XX/XX/XXXX from Lexis Nexis stating they could not identify my identity even after I sent proof of residency which they responded to me before when I contacted them. 

Here are my tracking numbers for the 1st attempt : XXXX - XXXX XX/XX/XXXX - XXXX XXXX attempt : I sent the same deletion letter out from the 1st attempt on XX/XX/XXXX letting them know this is my 2nd attempt with MORE Identity and residency documents like my ( Insurance Policy, Bank Information, Birth Certificate & Drivers License ). I get a letter back XX/XX/XXXX stating they VERIFIED through the courts. How is that possible. DELETE!!! 

Here are my tracking numbers for the XXXX attempt : XX/XX/XXXX - XXXX 15 USC 1681 section 603 ( 3 ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I sent an affidavit to federal student aid via fax successfully sent. I also contact XXXX XXXX XXXX to cease and desist all communication but received a text message stating that my payments restart after XX/XX/2022. According to congressional terms promissory note is defined as an instrument that evidence a promise to pay a monetary obligation does not evidence an order to pay and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. This is clearly stating that no money is owed under an consumer credit transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

the consumer reporting agencies have infringed on my privacy. they have reported negative information to my consumer report, and by law before they put anything on my consumer report, they have to have written consent from me the original creditor and natural person. They also responded stating one of the accounts were verified and they updated another account. They can't verify anything that I didn't authorize them to do in the first place. that shows they didn't properly investigate and in the " TransUnion, XXXX, XXXX may have violated credit reporting rules, XXXX XXXX XXXX says '' Article that backs up what I'm saying and the CFPB even backed this up. XXXX XXXX admitted that some of the disputes they didn't look at and the one that they did look at, they didn't investigate they just pressed a button.
Product: Debt collection

Received a " reduced balance opportunity '' notice from Convergent Outsourcing , Inc. regarding an alleged debt from XXXX for {$4600.00}. I have never had an account with XXXX and I told this woman who answered, who identified herself as XXXX XXXX. When I was going through the prompts and asked for an agent, it then asked why I wanted an agent I replied that I thought it was fraud. After going through account numbers, etc., I told her I never had a XXXX account. She immediately replied that it was probably " identity theft ''. She then said she would send me a " fraud packet '' and that I would need to file a police report, and then return the packet and police report. Supposedly this will arrive in 7-10 days. 

The " offer '' is : " We have been authorized to accept payment of 60 % of the total balance, which is {$2700.00}, in exchange for which XXXX will recall your account and cease all collection activity. If you are interested in taking advantage of this offer, call our office within 14 days of the date of this letter. Please note that this is not an offer to accept 60 % of your debt as payment in full, but an offer for XXXX to remove your account from further collection efforts. We are not obligated to renew this offer. '' There has been no " collection activity ''. This is a scam. 


There are two addresses on the " letter '' : Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX WA XXXX and XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX made me an offer for a credit card, by asking me what I wanted. And they provided me with a credit card that did not provide anything that gives me the benefit that I told them that I wanted. I believe that this was an invasion of my privacy and was a deliberate attempt to breach my privacy and deny me access to proper credit for travel. What I received was a teaser card that doesn't offer anything I was lured in with. The company is dishonest with bate and switch tactics that do little to nothing to harm the consumer. They give credit lines against my credit that are prohibitively disabling from helping to achieve my goals based on the offer made to Airline milage rewards. I was mislead into a card that fails to help me meet my goals. They accessed my trust and have been paid, yet they deny me my fair due of credit by assigning me to a card that is woefully insufficient and a violation of the Fair credit act as XXXX XXXX deliberately invaded my privacy with intention to defraud me by baiting me with a travel card but then switched to something I least wanted. I would not have answered if the had been forthright and honest as they are supposed account to GAAP ( Generally. Accepted Accounting Principles ) rules. 
On the XXXX of XX/XX/2023 and they gave a different card that didn't match the promise offered. Instead it's supposedly offers cash back that never comes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

This account is being reported as closed/charged off but it is still reporting every month delinquent sometimes twice a month, in order to report as charged off the company took it as a lost and wrote it off as income, I still havent received my 1099c for the write off of the vehicle, IRS has stated that a1099c is a income report therefore this can not be reported on my report as a credit and its being reported as income which is not an accuracy of reporting.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I opened a TD Bank " TD Beyond Checking '' account on XX/XX/XXXX and completed direct deposits of over {$2500.00} 30 days later on XX/XX/XXXX. Per the terms, I should have received the {$300.00} bonus by XX/XX/XXXX ( " no later than 140 days from account opening '' ). I had previously held a TD Bank account but it was closed greater than 12 months before. I printed to pdf the terms when I opened the account and have spoken with several customer service representatives since XX/XX/XXXX. TD Bank has opened a case and followed up with the promotions department. At no point has the promotions department reached out to me, even though I have offered to share the printed terms under which I opened the account. The last customer service representative that I spoke with suggested that I go into my local branch ( 150 miles away ). I have called the branch and was told to expect a call back from the branch manager the following day. That was last week and I still have not heard from the branch manager. 

" Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening ... Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. ''
Product: Credit reporting 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 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. Or a list of inquiries : 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted transunion via mail several times to get them to remove a negative 11-year account from my credit report, to no avail. After several months of communicating with  transunion, the account still exists. The account is from XXXX from 2007.
Product: Debt collection

I have written over 10 cease & desist to XXXX XXXX. Once I send the letters a month later they send me the same letter with a differ reference #. This has happened more than 3 time. I thought it was illegal to continuing to contact the consumer once the Cease & Desist letters are sent