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

Hello, The Truist Bank implemented an " improvement '' to their systems on XX/XX/XXXX. This resulted in the loss of access to my account and the mobile services they offer. I can no longer access my account, view funds, or make withdrawals. I have attempted to contact my local branch AND the corporate branch office. 

The account has been active for over 15 years, so I'm unsure why their systems have not been fully patched to allow access after 2 weeks of maintenance.
Product: Mortgage

I sold my condominium and as a result was due certain refunds. SunTrust sent me checks for those refunds. However, the checks expired before I was able to deposit them. I attempted to contact SunTrust to have the checks reissued but was told the department that issued the checks does not speak with customers. Since the checks never cleared I checked my state 's unclaimed property listing, however no record of the funds due to me are shown.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found there is a fraudulent, negative account reporting to my credit profile. This account does not belong to me and it is a result of illegal activities and identity theft. Please remove this fraudulent account from my credit report immediately as it is hurting me financially.
Product: Checking or savings account

In a letter dated XX/XX/2019, my wife received a notice from Bank of America stating that they were terminating their banking relationship with her by closing her checking, savings, Mastercard and various other joint accounts she has opened over 25 years. Since my wife and I are joint owners of several of the accounts, I am seriously affected as well. 
On Wednesday, XXXX XXXX XXXX called the phone number given on the termination letter and was told that Bank of America would not give any reason for the account closure and that the decision was final - there was no recourse for my wife or I to keep our accounts open. On XX/XX/XXXX I also visited my local branch of B. of A. where the representative made an official inquiry into the closure, but when another representative responded to me, she simply told me to call the number I had already contacted. Finally, I talked to our investment officer in charge of our accounts at XXXX XXXX on XXXX XXXX as well. He was not able to give me any reason for the closure as well, but he did say that since only my wifes name is on the letter they would let me keep the joint accounts if she removed her name from them. We can only surmise that it is my wifes surname and her original XXXX citizenship that is the reason for this termination even though she has been a naturalized XXXX citizen for 22 years. 
This is outrageous. We have been married for 27 years in XXXX. We have had our bank account with B of A for longer than that and we have substantial combined assets in B of A and XXXX accounts. Even our mortgage is B of A. In other words we should be the kind of client banks should want to keep, not kick to the curb. 
I think Bank of America is continuing the practice of purging XXXX nation citizens from countries with poor reputations. It is truly chilling that they would terminate with no recourse or even asking to confirm citizenship. They are in effect saying, of course, that all XXXX are XXXX XXXX and XXXX XXXX. I have seen newspaper accounts of banks freezing assets and closing accounts of XXXX   XXXX as well. 
I think this is a type of XXXX ( or XXXX? ) profiling. It violates due process and my wife 's civil rights. I demand Bank of America answer for its actions against hardworking XXXX citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter requesting that debt be validated and information that I would need to investigate on my behalf but this company never replied but continue to report inaccurate and invalid information on my consumer report.
Product: Checking or savings account

I opened XXXX checking accounts with Capital One for the purpose of helping manage my business expenses and receive some customer payments through XXXX. After roughly 2 days of receiving no more than XXXX payments through XXXX, my account was frozen, and I was prompted to call the Capital One service line. The representative was very friendly and advised me to no longer continue using XXXX as the account I opened was a personal account and not a business account. She even supplied me with resources to help me in opening a new business account. She was however able to unfreeze my account and told me I should have no other issues so long as I dont use XXXX. I needed her advice and went on my way to research a business account with capital on, and I completely suspended all customer payments through XXXX. XXXX days later My account gets frozen AGAIN, only this time the representative I got in touch with said my account was frozen for undisclosed reasons and my funds would be on hold for an indefinite period of time. Since then, I have received nothing but the run around from every Capital One employee I attempt to connect with. My funds have been on hold now for nearly 2 months and it put a serious strain on my financial situation at the time. What Capital One is doing is unacceptable.
Product: Vehicle loan or lease

ALLY FINCL {$21000.00} Requesting to remove the account from my credit report
Product: Debt collection

TRANSWORLD SYSTEMS INC. attempted to collect a debt from me that was not mine. This resulted in a significant hit to my credit score and an unnecessary effort on my part to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I received an letter from the XXXX XXXX XXXX of XXXX stating the XXXX XXXX XXXX remove the accounts that's showing up on my credit report. I then sent a copy of the letter to Equafax Credit Bureau XX/XX/2019 along with a copy of my I'd and ss #. They removed the account and they know have put the account back onto my Equafax report. I wish for them to remove this account again and permanently keep it off my credit report. Thank you
Product: Credit reporting

I contacted both XXXX and Experian about a credit dispute for XXXX XXXX XXXX ( XXXX ), that was included and discharged in my Bankruptcy case # XXXX on XXXX XXXX, XXXX in the XXXX XXXX XXXX Florida ; neither have 'closed ' this creditor on my credit report. I disputed the 'open ' status with XXXX credit agencies on XXXX of XXXX. However, on both XXXX and Experian credit reports, they remain in 'open ' status. In my dispute with Equifax, I received a written letter stating " the case information states closed '' but still on my credit report - it remains and reads as 'open '. Experian responded on XXXX XXXX, XXXX by sending an updated credit report and it reads " We have completed the processing of your dispute ( s ). Here are the results : Credit Items - XXXX ( XXXX ) : remains. 
Public records : XXXX BKPT CT FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Identification # XXXX Date filed - XXXX XXXX Date Resolved - XXXX XXXX Chapter XXXX bankruptcy discharged. 
Yet for Experian it remains in 'open ' status with a red dot. 
XXXX as of XXXX XXXX, XXXX lists XXXX XXXX XXXX as a " New Debt '' and states " Since your last update on XXXX XXXX, XXXX, you have XXXX ( XXXX ) overdue debt that has been transferred or assigned to a collection agency. '' XXXX XXXX XXXX - XXXX. 
It seems to me that XXXX XXXX XXXX - XXXX, keeps reporting this disputed and Chapter XXXX discharged debt to different credit collection agencies and both XXXX and Experian are ignoring the discharge and adding it to my credit over and over again. 
This debt shows and states on XXXX - discharged. 
Both XXXX and Experian have an obligation according to the law to state on my credit reports that the item is closed and discharge Chapter XXXX. I am tired of fighting with XXXX companies. 
Please tell me what to do to stop XXXX credit agencies and XXXX = XXXX from constantly reporting this discharged debt as open and new.
Product: Money transfer, virtual currency, or money service

I lost my cat and I posted missing animal posters and I was contacted by a person that said they had my cat. We set up and time and place to meet and they sent me a blurry zoomed in photo that kind of looked like my cat ( XXXX XXXX  ). When I arrived, they told me that I need to send money first and then they will bring me my cat. I tried to get them to meet in person and I will give them cash once I confirm it is my cat, they refused to show up unless I sent money.
Product: Credit reporting or other personal consumer reports

In accordance with the FRCA ( Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 602 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account open under an open end consumer account as late for any purpose.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX at XXXX XXXX ( PST ) I requested a loan from Affirm.com to cover the cost of dental aligners, in the amount of {$1800.00} provided by the online company XXXX. 

On XXXX XXXX I contacted Affirm.com and XXXX to cancel the Affirm.com loan. 

However, on XXXX XXXX, both Affirm.com and XXXX ignored my request and continued to push through the purchase despite my XXXX day cancellation. I have not received any merchandise. However, I have received an email from Affirm.com which acknowledges my rescission of the loan within the XXXX days allowed. However, the merchant did not respond to either their request or mines. Both, Affirm.com and the XXXX provide conflicting information and continue to delay cancellation, despite no receipt of merchandise. After, several long and exhausting phone calls to Affirm.com customer care I have been given the run around, and they are still engaging in ongoing " bait and switch '' of information. 

In accordance with Affirm.com all phone calls made to the companies have been recorded with all parties acknowledging such recordings. These files are also available for your review. 

In light of the above information, I am requesting your assistance in this matter.
Product: Mortgage

XXXX XXXX XXXX transfer my loan to SPS servicing. For the last three years they have tormented me stating they dont have proof of flood insurance and I know they do because it renews in XXXX  every year and they have all the information. Every year they threaten to force place Flood insurance on me at the rate of {$4500.00} per year. I have provided them proof and they keep threatening. Most recently XX/XX/2018. Every time I call in there I get stuck talking to a person from a different country that can not understand English. 

When my loan was modified by XXXX XXXX XXXX they took advantage of me and my family financially ( by placing us in a 40 year loan that we didnt need ). Then they turn around And sell the loan to SPS Because they did not want 40 year loans on their books. 

It has been a complete headache in more ways than one. Please Help.
Product: Mortgage

After months of being transferred to multiple agents ( 9 to date ) I still can get no one to follow up on my HEL. More concerning, when I shared that the increase from 2 to 3 % was no possible given I had lost my job in Q4 2019 and was just starting a new job and lost it to Covid -- the mortgage company made the modification process very difficult. each time I would supply what they asked, a new set of requirements would come into play. this went on for 9 months. Further, My first loan was modified and months went by with little to no follow up. Most concerning is that I had asked for a year extension to keep my rate at the {$410.00} interest only payment. I was told that this could not be done unless I paid the back balance of {$1800.00}. I made that payment for a future date and borrowed the money. Then one it was paid I was told the application was denied because there was no longer a back balance. Kindly see the supporting documents and multiple letter sent to Wells Fargo. this company should be investigated for it unethical behaviors -- including not being transparent with their customer, I am in a situation where I have been paying my mortgage for 23 years, and WF has earned enormous interest equity. Somehow the company fails to see that although I agreed to a step mortgage payment, circumstance beyond my ability occured and I lost my job during Covid. It is unrealistic to expect someone to pay nearly half of their earnings to housing after taxes -- and still be able to pay other shelter expenses, education, medical and child costs. I submitted a expense budget listing same, but these figures do not appear to be considered. 
While the company is quick to respond to CFPB, they lack follow up or any meaningful conversation to resolve their customers problems and ensure that all options including modification are offered. Documentation is provided to support my claim.
Product: Credit card or prepaid card

I have a loan with HOME POINT FINANCIAL C. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and HOME POINT FINANCIAL C with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXXr - XX/XX/XXXX / XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX.
Product: Checking or savings account

This company treated me so badly. My bag was stolen while I was in the hospital for a crisis from my mental health issues and my account and card was compromised. The company is blaming me for the incident and will not release my funds even though I won the disputes. I can not help this happened and did not authorize anyone to use my account. They sent me an email telling me there was no way they could help me. How do they have the right to tell me that this is my fault? How can they hold my funds pass the day of the dispute decision. They are holding my funds on purpose and locked my account on my birthday which was very wrong. I just want my funds and I want people to be aware because the company will blame the consumer for a compromised card. They denied the XXXX $ dispute because of the price without a proper investigation. The representatives were rude and cancelled my account due to the XXXX sound in my voice. As a minority of the lgbt community with XXXX  history I dont think they should play with peoples money. I can not help this happened. I hope Venmo does something about the judge mental employees. I feel very discriminated against for being a XXXX XXXX XXXX  and everyone should know how I was treated. All on my birthday. I just want my funds released. And they put notes on your account to be vicious so the next time you call the way you are treated wont change because of untrue notes left by rude representatives who judge customers based on their voice. They can tell when XXXX peoples call and they know a XXXX voice and treated my account as such. They had the ability to let me withdraw my funds. All of this happened as I got out of the hospital from a XXXX  hold. They only made it worse. I have attatched the paperwork from the hospital I was in during this time. I feel so low as a human and my light bill is due and when told about them being disconnected I was told that its not Venmo fault your light bill is behind. This is unacceptable behavior from the women who work there. They were really judgemental and I may have to go back to the crisis center over this situation. Please help me. I have verified my identity 4 times but the robots keep sending the same email. So they have my email blocked from reaching a human who would hear this and sympathize with me. I feel mishandled and sent to the bot machine to handle human affairs. I was told in a rude way that my account was being frozen when XXXX the one reported the activity. They can not do this without even telling me what I did and not let me recover my {$560.00} and extra {$350.00} from a claim they denied because of the price of the transaction but the approved the XXXXXXXX XXXX transaction under the same conditions. This should be against the law and Venmo investigated and sued for XXXX and XXXX discrimination.
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a purchase of {$430.00} on my card that involved travel services from XXXX XXXX XXXX. Those travel services were to be used in XXXX but unfortunately due to the ongoing pandemic, services were not received. In XXXX, XXXX, I contacted XXXX asking for a refund. They agreed to refund the full {$430.00} ( emails attached as proof ). I gave them ample time to issue the refund but as it had gone to XXXX without having received the refund, I decided it was time to escalate to my credit card. 

Thus far, American Express has not resolved the dispute. In fact, it appears they are closing my dispute without even bothering to help me on my behalf. Credit card companies ask their customers to follow the proper protocol, which I did, and then don't bother to resolve the issue.
Product: Credit reporting or other personal consumer reports

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections accounts listed below due to identity Theft : 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 

Address never lived no knowledge of : 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX AND XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including my Full Name, Address, Social Security Number, and Birthday by improperly protecting such sensitive leading to the security data breach in XXXX of XXXX. 

They have put myself and millions of others at risk of identity fraud/theft due to their negligent security practices in handling this sensitive information. 

They are also attempting to capitalize on the situation by signing injured parties that they are responsible for up for " trial periods '' of their ID protection services. They are defrauding these parties with deliberately misleading terms of services that waive injured parties right 's to sue the company for such gross misconduct. 

I request that they rectify this situation by making credit freezing free for all injured parties involved in this issue, as well as directly contacting every person affected by this loss of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BANK # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I have the rights to privacy 15 U.S.C SECTION 604 A.SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

KINGS CREDIT SERVICE ACCOUNT NUMBER XXXX WAS PLACED ON MY CREDIT REPORT AND HAD BEEN PAID BY MY INSURANCE COMPANY.