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

On XX/XX/XXXX, I opened a business checking account with Suntrust Bank online. This is a XXXX XXXX XXXX. I submitted all documentation as requested online and was advised electronically to " check on the status in 2-3 days. '' I logged back into my account a few days later and received notice that the " account had been successfully opened. '' Mind you, this was by me checking on my own. Throughout this entire process, I never received a phone call or email from the company. Thinking that my account had been successfully opened, I attempted to set up an online checking account. I immediately received notice on XX/XX/XXXX that the online account is in a " Pending Closed '' status. 

Confused, I called my local branch. A representative advised me that " pending closed '' typically means that my initial deposit had not cleared. I was about to go into a local office, but this was made difficult to the Covid-19 Pandemic. On XX/XX/XXXX, I received correspondence from the " fraud department '' that my account had been closed without explanation. 

Infuriated, I called the toll-free number listed and spoke to a representative. After being placed on hold she reiterated what was stated in the letter with no additional explanation. I then asked to speak to a supervisor and was denied the opportunity. 

Suntrust does not realize : My grandmother had an account My father currently has an account I had a previous car loan with BB & T ( paid in full ) Current credit card with BB & T Never in my life have I experienced such horrible customer service and the cold shoulder. I will try to move all of my business as quickly as possible and advise everyone I know to refuse business with either Suntrust or BB & T. This level of incompetence is ridiculous in the middle of a Pandemic.
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate inquiry that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiry in need of investigation. I have tried to contact every one of the company listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 



XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm filling a complaint against equifax for falling to properly investigate my disputes regarding inaccurate information on my credit report. Despite my my submission, Equifax constantly respond with 24 hour 's stating the account is accurate without providing any evidence of thorough investigation. This practice violates the fair credit report act which mandates responsible investigation. Further more Equifax actions is part of the CFpA most recent case filed against them for similar violations. I request that CFPb take action to ensure Equifax complie with the federal law and provide consumers with proof of proper investigation.
Product: Debt collection

On XX/XX/XXXX I contacted Hunter Warfield after receiving an email with an attachment I could not open. I was told I could not dispute the debt. I asked for an address to write a letter and I was not given one. Instead I was pushed to give credit card information to start making payments. I was told they could only cut 10 % as a settlement. I was then abruptly hung up on when I said I was driving. 
I opened the attachment and saw it could be settled for 50 %. So I called back a second time. Different woman this time. Did not say I could settle for the 50 % only what the woman before told me. She said she didn't have record of me calling just 20 minutes prior. Again would not give me an address to write a letter to. I asked for proof that I owed alleged debt. I said I wanted to speak to someone higher. She stated she " wrote down what I said and would pass it along. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to chase auto in regards to account number XXXX and XXXX XXXX XXXX XXXX and XXXX. asking to reinvestigate information. I now have proof that the investigation was not taken seriously. all credit bureaus did not do there separate investigation per the FCRA. they let chase auto send false and inaccurate info and they also change the date of first delinquency to cover it up. I have a copy of before and after I disputed and the changes that were made. in the payment history sent to me by chase and there was a 30 late inXX/XX/XXXXfor non payment in XXXX. it also reflects in my old credit report. they had that info changed or not reported. so now they can say the first date of delinquency isXX/XX/XXXXXX/XX/XXXXthey also hade different account numbers on different credit reports the other one was XXXX the credit bureaus allowed them to change that instead of have them delete it due to inaccuracies and incomplete information per the FCRA. This account should have been deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions over the past 2 years, I have tried without success to write to XXXX, XXXX, and TransUnion regarding their posting of a public record that is listed without any written or verbal authorization from myself or the US Bankruptcy Court XXXX XXXX of Florida. 

Based on the National Consumer Assistance Plan ( NCAP ) that was put in place by CFPB for all credit bureaus they have violated the requirements of this program with regards to transparency and accurate entries on a consumer credit report. 

I provided a letter signed from the court stating that they do no report any bankruptcy to the credit bureaus yet they continue to post information that was never authorized to be posted on my credit report. There are also incorrect and erroneous entries on the listings shown on my credit report for this bankruptcy which was not corrected and was ignored by the bureaus, demonstrating they violated the NCAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested an investigation on a late payment for the account, XXXX XXXX XXXX XXXX. The results came back with the Payment History being corrected and updated to no late payments but the Payment Status still reflects negative. In XX/XX/2022, I contacted via a Certified LetteXXXX indicating the Payment Status was still reporting inaccurately. TransUnion refuses to correct and update the Payment Status for the account XXXX XXXX XXXX. The Payment History has been updated to no late payments but the Payment Status is still incorrect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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. XXXX XXXX XXXX XXXXXX/XX/XXXX 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 or other personal consumer reports

Recently, I did an investigation on my credit report and found several item to be inaccurate. Under 12 U.S. Code 1681a ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. An item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on results of the reinvestigation, and ( a ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately. 

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

I have had identity theft happen to me with a XXXX  secured card. I have told XXXX  and equifax many times they refuse to remove. i need this removed or i will take legal action. i have been advised unless they can show proof how they say this is mine they must remove.
Product: Debt collection

On or about XX/XX/2023, I submitted a loan application to XXXX XXXX  and was denied. Shortly after I received an alert from my XXXX XXXX app that I had a Collection on my file with XXXX. I was surprised because I had no negative accounts with XXXX. I then receive an adverse Action letter sent to me via email stating that XXXX showed a collection within 90 days ( letter enclosed ). I later discovered that Amsher also furnished this same information to XXXX. 

Further research revealed that the culprit was Amsher Collection Services. Amsher had no Permissible Purpose and no consent from me to park this account on my credit file. I never received a phone call, nor any electronic communication as well as any written communication from them. They recklessly and willfully violated the rights given to me that are established under CFPB. As a result of Amsher 's deliberate action, this is what I suffered : 1 ) Damage to my character and consumer credit worthiness.

2 ) Harmed my ability to obtain credit.

3 ) Caused me great distress.

4 ) Injured my general reputation.

5 ) Damaged my mode of living in which I expected to establish credit to be used for personal, family, household, or business purposes.
Product: Money transfer, virtual currency, or money service

I am writing to request a review of the suspension of my Paypal account with email XXXX. My account was suspended due to high risk. I hope the Paypal Support Team will reconsider the decision to suspend my account. I promise to strictly comply with Paypal 's regulations in the future. Thank you for taking the time to review my request
Product: Checking or savings account

Chase stated they did not receive authorization from me for XXXX XXXX to handle fraudulent charges on my grandsons account ( ending XXXX ). XXXX from executive office advised me that she mailed and emailed me the form. I usually receive email and mail correspondence from Chase, however I never received the promised form from XXXX. Please make XXXX provide proof that she emailed me the form. Please assist me in getting the form. Thanks!
Product: Credit reporting or other personal consumer reports

XXXX ; has four inquiries that I didnt do XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ; has six inquiries that I didnt do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And also equifax has a collection being reported that isnt mines the account is named XXXX XXXX XXXX XXXX ; has four inquiries that arent mines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these did I authorize or approve of Also the only address that need to be on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX This is my only address Any other addresses need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do.

I wrote to them on the following dates : XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery System put a debt collection on my credit report without contacting me about the debt first. The debt on my report is not mine, and I disputed it, and they put it back on my record. This record should not be on my credit report. 

I also believe they are calling my place of employment pretending to be somebody else.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX 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 card

I had fraud on my American Express Credit Card and I cleared it with them on XXXX XXXX, 2015 with a confirmation number and was told they would take care of it and cancel my card. Fraud person had changed my address from XXXX XXXX XXXX, XXXX, XXXX XXXX twice. On XX/XX/2015 to XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/2015 to XXXX XXXX XXXX, XXXX, XXXX XXXX and charged over {$9000.00} to my account with the names of the places that charges were made. I paid the XXXX charges that were mine with XXXX XXXX after I was told by my local banker of the charges on my card. Five months later I am receiving calls on my IPHONE, office phone and home phone from XXXX with a recording. I have talked to those people and they said they had no recollection of my XXXX XXXX, 2015 conversation. I have copies that I had American Express send me of the bills and that is where we saw that the fraud had changed my original address where I have lived for 18 years in XXXX to a XXXX address. XXXX calls my office phone of XXXX every day at least 10 times. I have not activated the new card American Express sent me since I am very concerned about fraud and will never activate it after being harassed by them or whoever is calling. XXXX XXXX XXXX
Product: Mortgage

We believe Ocwen Loan Servicing, LLC., has miscalculated and misapplied the payments. We have received an untitled document that appears to be a transaction history, but can not understand all the terms, abbreviations, and entries. We have asked for an explanation, but did not even receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a Discover Financial Service LLC item on my credit report from XXXX several times, the last time being XX/XX/XXXX. I just received an email from XXXX rejecting my dispute, claiming it is legitimate. I have not had a Discover Card since about XXXX and have no idea where the charge of {$7600.00}. comes from. 
I submitted all this info, along with proof of address and other information that they requested, to both XXXX and to Discover, and my dispute keeps being denied.
Product: Credit card or prepaid card

I am writing to dispute a charge of [ {$900.00} ] to my credit account on XX/XX/2022. The charge is in error because the item was not delivered. PayPal has already closed this case in my favor and I need Synchrony Bank to credit my account. I did not authorize Synchrony bank to charge my account {$900.00} after I was refunded. 

I ordered the item on XXXX XXXX. The seller promised to deliver the item to me on XX/XX/XXXX with a signature request, but I never received my order. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

Enclosed are copies of PayPals decision on the case, email proof of signature request, disputes filed with XXXX, cancellation of orders with XXXX and delay in refunds, these documents support my position and experience. 

Please correct the error on my account promptly. Also, I have received poor customer service from Synchrony bank were representatives have hung up the phone on me. 

Sincerely, XXXX XXXX Enclosures : PayPals case decision, Paypals buyer protection policy
Product: Prepaid card

Opening case requesting funds that wasn't authorize and I have disputed the unauthorized transactions that occurred on and on in the behalf of the data breach
Product: Checking or savings account

Unfortunately a few weeks ago I opened up a checking/spending account money market savings account and a savings account with Ally bank in the process I funded all of my accounts with large sums of funds from my XXXX XXXX XXXX XXXX account accumulating a total balance of {$80000.00} USD through an ach transfer using my XXXX # and routing #. All of my funds were transferred from my XXXX XXXX XXXX account successfully. I tried to send my nephew {$100.00} through XXXX and next thing I know I received an email saying all of my accounts were restricted. So I give Ally bank a call and the representatives transferred me to the fraud department where I received no help whatsoever some reps even hung up on me saying that they dont believe I am the true party before I could even give my information this totally sucks. I am totally depressed some nights I cant even sleep good just thinking about my funds being held in a account I have no access to I feel hopeless. I feel like Ive been robbed this should be illegal what Ally bank is doing just holding my funds and a large amount of $ XXXX at that. Please I just need some help I check the atms with my debit card and it only says I have a balance of {$40000.00} USD but I cant withdraw or make purchases with my card please I just need help and a peace of mind to know whats going on and where are my funds before I take legal action against Ally Bank.
Product: Credit card

Tried to cancel a hotel reservation made on XX/XX/XXXX at XXXX hours. The aggregator confirmed they would cancel the {$99.00} charge on my REGIONS BANK CARD ending in XXXX. I subsequently charged my XXXX XXXX for the XXXX XXXX room XXXX  XXXX in the amount of {$66.00}. 

I was told by the XXXX XXXX XXXX aggregator for XXXX XXXX that XXXX XXXX did not offer military or government discounts/rates. This was a prevarication and was confirmed by the XXXX XXXX XXXX  XXXX on duty, that the XXXX XXXX offers military and government rates. 
I provided this information to REGIONS BANK via claim ID XXXX on XX/XX/year>. I received a letter ( attached ) denying my dispute.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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

This is one of my numerous endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHEN REVIEWING MY CREDIT REPORT, I OBSERVED SEVERAL ERRORS THAT XXXX, EXPERIAN, AND XXXX REFUSED TO CORRECT. SINCE XX/XX/2021 IVE CONSISTENTLY SENT CORRESPONDENCE TO THE XXXX MAIN BUREAUS TO INFORM THEM OF ERRORS ON MY REPORT WITH NO ASSISTANCE OR CORRECTION WHAT SO EVER. I SENT CORRESPONDENCE ON XXXX XXXX XX/XX/2021, AND XXXX NONE OF THE BUREAUS CORRCTED THESE ERRORS ON MY CREDIT REPORT. IVE ALSO REQUESTED THAT THEY CORRECT INCORRECT AND OBSOLETE INFORMATION. THE CREDIT REPORTING BUREAUS BLATANT DISREGARD FOR THE LAWS AND REGULATIONS SET FORTH BY THE CFPB, CRRG 3-4, AND XXXX XXXX ARE OFFENSIVE AND IT RENDERS ME NO PROTECTION BY THESE LAWS SET FORTH TO PROTECT MY RIGHTS AS A CONSUMER.
Product: Mortgage

I am trying to refinance my current home. I can not refinance until a lien on the property is released. The loan was for {$31000.00} on XX/XX/XXXX. This originated at XXXX XXXX, but they were bought out by XXXX XXXX. XXXX XXXX  has the information on file but is not releasing any information to us. The lien is paid, it was never released to the Recorded of Deeds Office. We need a satisfactory letter for the bank we are trying to refinance with. We started this process on XX/XX/XXXX. Ill include emails and screenshots of everything. Anyone we have talked to at XXXX XXXX gives us a general phone number or email, so we cant ever contact the same person again. We have been jumping through hoops trying to find certain individuals. They never return our phone calls, and we are on hold multiple times trying to find people.
Product: Student loan

I found out about Covid forbearance refund in XXXX. I had reached out to XXXX ( they couldn't find any information on my acct as of XX/XX/XXXX. 1 it was moved automatically to Aidvantage. I reached out to them on XX/XX/XXXX, XXXX this was prior to consolidating for PSLF ( this was done on XXXX XXXX, XXXX ). They said it would be processed and to reach back out in 4-6 weeks if I had not heard anything. I reached out to them again on XXXX XX/XX/XXXX and was told it didn't get processed, I explained that now the loan have been moved to XXXX XXXX the rep said it could still be processed thru Aidvantage since I started the refund request prior to applying for consolidation, I was also told to reach back out in 4-6 weeks if I had not heard anything. I reached out to Aidvantage again on XX/XX/XXXX as I had never received refund or any correspondence, I talked to a more informative rep then and was told the request was never processed, I did ask to speak to superior but she said she discussed with superior and refund would be " expedited. '' I was then told to call back on XXXX weeks. On XX/XX/XXXX, I reached out to Aidvantage and was told they couldn't do the refund as my loans weren't with them any longer and was told to reach out to XXXX. I reached out to XXXX and was told they can not process refund as they had no history of my payments- just the new consolidated loan in from XX/XX/XXXX. I have exhausted my time attempting to get granted covid forbearance refund without any explanation. I even sent an email to XXXX on XX/XX/XXXX and uploaded my payment history during covid forbearance made to XXXX prior to moving automatically to Aidvantage in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to TransUnion in reguards to 2 accounts that are over 7 years old and asked for them to be removed due to inactive. The accounts in question are XXXX XXXX  Acct # XXXX and XXXX Acct # XXXX. These 2 accounts are over 7 years old and have been trying to get them removed from my report but have been unsuccessful. All other information on my report is correct