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

Dear Sir/Madam, I am writing to formally lodge a complaint against Truist Bank for the abrupt and unjust closure of my personal and business accounts without any prior notice or adequate explanation. The details of my accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I opened these accounts to facilitate the efficient management of finances for my medical practices, XXXX XXXX XXXX and XXXX XXXX. Despite my longstanding relationship with Truist Bank and my prompt reporting of a fraud incident involving unauthorized transactions through XXXX and XXXX XXXX, my accounts were inexplicably blocked and subsequently closed. This incident has caused XXXX financial disruption, affecting my ability to meet critical obligations such as paying rent and securing a federal loan. 

I submitted all necessary evidence and documentation to both Truist Bank and the implicated platforms to address the fraud. Despite my cooperation, the bank 's decision to close my accounts without any warning or opportunity to discuss the matter has been profoundly unjust and damaging. 

To exacerbate the situation, I received a letter from XXXX today confirming that my account is clear and verified, and there are no outstanding issues. This further highlights the unjust nature of Truist Bank 's actions. 

I have attempted to resolve this matter directly with the following individuals and departments at Truist Bank without success : XXXX XXXX XXXX XXXX Truist Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Truist Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Truist XXXX XXXX XXXX XXXX  Truist Bank Consumer Affairs Department Despite my repeated communications, I have not received any response or acknowledgment of my grievances. Therefore, I am requesting the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that Truist Bank provides a satisfactory resolution. 

The unjust closure of my accounts has caused significant economic harm and disrupted my ability to serve my community through my medical practices. I urge the Consumer Financial Protection Bureau to take appropriate action to address this issue and hold Truist Bank accountable for their actions. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My Cash App account was closed because I allegedly violated their Terms of Service. When I was notified of this, I read Cash Apps Terms of Service and found that I had not done anything to warrant my account being closed for violation of their TOS. I contacted Cash App to resolve this matter, and Cash App refuses to explain to me what I did and they refuse to reopen my account. I have about {$7000.00} in my Cash App account as I use Cash App as my bank account and there is no way to spend or get my money out of my Cash App, as I do not have a bank account to Cash Out to. I can not buy food and I can not get paid, as my Cash Card and my routing and account numbers associated with my Cash App have been deactivated. I am certain that I did not violate any of Cash Apps Terms of Service and that the closure of my account was made in error. Cash App has failed to remediate my issue in a timely and helpful manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership and was screened with multiple hard inquires that I wasn't aware of or didn't consent to. 


XXXXXXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXXTransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXXTransUnion XXXX XXXX XXXXTransUnion XXXXXXXX XXXXTransUnion
Product: Debt collection

Heritage Acceptance Corporation contacted my job after they closed the account and charged-off the debt years ago. They did not involuntarily reprocess the vehicle. I called them for over a month to come pick the vehicle up. Please have them to produce phone records as well from XXXX to XXXX of 2018.
Product: Debt collection

From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Bank Of America. They refuse to provide the necessary information based on above mentioned letter.
Product: Debt collection

On today XX/XX/21, I received an alert from my credit reporting company that a collection account was listed on my credit report. I have no knowledge of this company and is unsure why they placed this account on my credit record. I never was notified by this company ever and I never received any mailings at my address. This is a fraudulent company and account. I want the necessary information to file a complaint against this company.
Product: Consumer Loan

I purchased a car in XXXX in 2010. I financed the vehicle with Gateway One Lending. When I moved to XXXX and reregistered the vehicle there, they transferred the title to the new state, which was their obligation as the lien holder. I moved to XXXX last year, but Gateway did n't move the title this time as the loan was about paid off and XXXX has a title fee that XXXX does n't. When I paid off the car, Gateway informed me that they 'd left the title in XXXX six months prior and I would have to get the title from them, submit for a new XXXX title, and pay the {$75.00} fee, all of which should have been done when they were the lien holders. Now, since they did such an incompetent job of moving the title, I 'm not even sure I can get a clean XXXX title since the state still has Gateway One listed as the lien holder on the vehicle.
Product: Debt collection

they called me more than XXXX times a day i told them that i would pay but they did not accept minnimum payments,, I tried to explain to them that Iwould pay but it was always the same.
Product: Vehicle loan or lease

I have a problem with XXXX XXXX assistance in XX/XX/2018 I got a flat tire midnight and after I called road assistance two weeks after my wife and me got fraudulent transaction in our provided credit cards and we filed policy report not body take responsibilities, but now the situation is we cancelled the insurance for wheels & tires and the only thing I want is don't pay {$30.00} a month for this insurance but after they acceptance to cancelled the insurance they said over the email if I don't use the insurance or I don't have anymore still have to pay {$30.00} a month I don't want to pay that just pay the monthly payment for the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX account numbers XXXX and XXXX, XXXX XXXX XXXXXXXX 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, 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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Debt collection

I had a psycho roommate who stole a bunch of my stuff and didnt pay her cleaning fees but I paid my part. I have been telling them since may to stop contacting me as I dont owe them a dime. I constantly am getting calls and emails. On Friday XX/XX/2022 I received an email from them at XXXX est I tried to unsubscribe but link is unable to do so as well. Also I never gave them permission to email. My phone number is on the do not call list as well. Its been almost a year and Im fed up.
Product: Mortgage

When my mortgage was with Bank of America ( B of A ) I had a letter that said I may qualify for a mortgage modification. I then called B of A for more details and was told if I did this it would not have any serious negative effects on my credit. I advised I would try and do this and filled out all the paperwork time and time again but seemed to be getting nowhere. Every time I called I had to talk with different people before they would put me through to the person handling my case. There were times it took days to reach the person I needed to speak with. I was told or it was implied that if I was behind on payments my request would go through more quickly and probably be approved so I asked again if I did this would my credit be affected and was told it would not. Therefore, I got behind on my payments but nothing changed and I kept getting the run around so I caught up my payments at one time and told them I wanted nothing more to do with getting a modification which I had to do repeatedly. Finally they sent me a letter denying the modification. That was the first and only time I had late payments of any kind. B of A did not keep their word and dinged my credit anyway. 
I have disputed this with all XXXX credit reporting agencies and have also been in touch with our consumer advocate group " Let XXXX know '' on XXXX XXXX XXXX in XXXX, Arizona and have been advised by them to file with the reporting agencies and then contact B of A and ask them to do the right thing by having this blemish taken off my record. I will also report it to the Consumer Financial Protection Bureau ( CFPB ).
Product: Debt collection

Tri-State adjustments is attempting to collect on a debt they claim I owe. I have never done business with Tri-State adjustments, I do not know who they are, and they have not sent me any documentation to substantiate this debt. They called me on the phone, and said they'd report me to the credit reporting agencies even though they'd not provided any documentation or proof of this supposed debt.
Product: Debt collection

I had auto insurance with XXXX XXXX  back in XXXX, I called them on XXXX to make a payment and they were increased the payment and I was like I will not stay with you and ill get insurance from different compsy and cancel my policy! And I was as prepaid and paying month to month not contract as I aske them before I started! 
They kept after a month or more asking me for {$120.00}, I told I'm not going to pay them because I called to cancel, then they said will send it to collecttion and damage your credit!, the collection company CCS as they said we tried to call you but you didn't answer the Phone And they were sending mail to my old address, when I heard from all state on XX/XX/XXXX that they will report me if didn't pay, I said ok ill pay that the {$120.00} and paid it, and I have clear letter that's was paid, but they were already sent to the CCS collection and reportd it! I didn't know at the time and I just trust them they will not hurt my credit, I. XXXX I send my documents to get an owner builder construction loan and to build my dream house! After I paid off my land and working hard for that, the bank rejected to give me the amount and because my credit has collection they said if you were failed to pay XXXX $ how will you pay $ XXXX, we can only preapproval you for up to $ XXXX and has to be with XXXX XXXX company which means XXXX  will charge me extra for their services and XXXX qouted same floor plane was $ XXXX, the collection CCS and XXXX hurts my credit and now its XXXX, they Broke me and my wife XXXX house to be in reality! and XXXX adding thats I never missed any payments and document attached for that! my XXXX XXXX has to be XXXX with my student loan even!! and when the lender pulled my hard credit the collection was shown in the report was XXXX because the collocation and its paid and reported!! which is XXXX and CCS lied and scammed me when they said will no be reported and it was! They let my XXXX hurt so bad after all that happened! Look on my beautiful floor plan I attached it also!! Why they use the power to hurt people like that! I never ever missed any payments!! And attached documents for that!
Product: Credit card or prepaid card

Cred.ai is the company that oversees tis XXXX card which is billed a credit repair card. I had a fraudulent transaction, and they closed the card and took the XXXX and kept the money. They said they have to do an investigation that will last 45 days. Now normally most cards ( any that I have ) will take the fraudulent charge leave my money on the card while they do an investigation. But they took the {$39.00} and refuse to give it back while they do this 45 day investigation. I did my own investigation as I used to work in card services and the fraudulent charge was obviously a fake as the website is fake and they don't say what they do and they could not say what they offer in their business. It seems to be a secret. But at the same time, I feel the fraudulent company is connected to Cred.ai in some way. No company will keep your money for 45 days. An investigation usually over inside of a week and most companies finish in 3 days. Especially the fraudulent charge was so obviously fake. I am a XXXX XXXX and can not afford to GIVE OUT XXXX on a Fraudulent transaction that seems to involve not only the fraudelent company but the credit/debit card company also.
Product: Prepaid card

The person received there items. There a scammer trying to get XXXX back for items they received and PayPal believes them. Where is the proof that they never got any items. No one can come up with proof for me to see. Scammer is not getting money back unless they send the items back. If you don't have the items you get nothing back. I am not responsible for paying a XXXX back to a scamming frauder
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX reported to XXXX, XXXX  and TransUnion a Rental/Leasing debt of {$3300.00} with a Date of 1st Delinquency of XX/XX/XXXX, obtained from XXXX XXXX XXXX. This debt was recorded as a Joint Account. 

On XX/XX/XXXX while setting an account on XXXX  's we site to freeze my report I saw and disputed this entry using the available process identifying the debt as not mine, identifying the likely owner as my ex-wife from who I was divorced in XX/XX/XXXX with no shared assets or responsibilities. 

On XX/XX/XXXX XXXX advised that it had completed a review and that " The information you disputed has been verified as accurate ''. No further specific information was provided about the entry or process. 

On XX/XX/XXXX and XX/XX/XXXX I repeated this process with XXXX  and the equivalent with XXXX  and TransUnion with the same result and attempted to add an ( up to ) 100 word statement. The process to add the statement was difficult with XXXX, only a choice of a few fixed statements was available with XXXX   and I have found no option with TransUnion through their web sites. 

This entry alone precluded me from being able to start a contract position with the US Department of Justice and has cost me and my family many hours.
Product: Credit reporting or other personal consumer reports

I did not authorize the following inquiries nor did I receive any product from these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XX/XX/XXXXBalance Owed : {$1500.00}
Product: Checking or savings account

I have XXXX open business account with Wells Fargo where I do not get my payments on time or delayed when I'm trying to get my check deposited. I had XXXX personal account with Wells Fargo that they closed for no reason because I was - {$38.00} and then they sent me a check For {$5.00} to request information. Why was it canceled because I wasn't getting direct deposit anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had this XXXX account removed from my credit already through XXXX XXXX XXXX and they keep putting it back on there. The amount keeps going up and they keep switching the agencies to put it back on there. plus this account is over XXXX years old!! They just recently reopened it XX/XX/2022. I dont understand this. Im trying to buy a house and they messed everything up!! Please help me!!!
Product: Vehicle loan or lease

This loan was paid off with insurance and I have requested a paid out letter on the account 3 times. The representatives that handle the account when you call in are very rude and unhelpful. I requested another paid out statement on XXXX17 and again they are stating that they are mailing the letter out. I need to have a paid out letter to be able to prove that this account is paid out.
Product: Credit card or prepaid card

i Initially receive the offer for the card at XXXX XXXX so i applied for a discount everything was fine at first this was in XXXX of XXXX i then waited to receive a bill or the card in the mail so i would be able to pay my balace of XXXX dollars i funded on the card. in early XXXX i got my first phone call from cominety bank i picked up the phone and they hung up right after the phone was answered i get about XXXX of these types of calls per day since the first occasion. i tried to call their numbers but the same issue i check the mail daily for a bill or card to log onto their online portal to no aval. Around XXXX XX/XX/XXXX i was finally able to get in contact with the company they wanted me to give my debit card information over the phone to one of their employees i refused due to security concerns and they told me my balance was now well over XXXX dollars and they would be sending it to collections soon i just want to pay this original balance and be done with this predatory company.
Product: Credit reporting or other personal consumer reports

These collections were illegally obtained in my name and nonetheless inaccurate and illegal. I have already disputed these items. Please remove these collections and inquiries listed below as soon as possible. 

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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to XXXX by XXXX XXXX XXXX XXXX and 3 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IN XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY NONE XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CO XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SINGLE FAMILY
Product: Bank account or service

I signed up for a Citibank Citigold account with a sign up bonus offer ( XXXX XXXX XXXX miles ) that I received in the mail. I met all the requirements ( XXXX consecutive bill pays for two months, purchase of {$1000.00} with debit card ) of the bonus and did not receive it.. I was told via secured message I would receive the miles by my XX/XX/XXXX statement, and in an online support message that I would receive the points by XXXX XXXX. I messaged today to confirm and was told they were not planning to honor their original promise.
Product: Credit card or prepaid card

made payments at XXXX a month then the credit card company wanted XXXX a month, then returns not being applied to my credit card balance but shows as addition charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Balance {$4500.00}