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

On XX/XX/XXXX I opened XXXX trust accounts at Truist bank, depositing close to {$5000.00} in each account. 
Shortly after I was told I had to open a personal account to have access to my online banking. I then opened a personal account. I started transferring funds from my other bank accounts to use Truist for all my banking needs. 
On XX/XX/XXXX, I deposited XXXX cashiers checks into my personal account : XXXX from my business account at XXXXXXXX XXXX for {$120000.00} and XXXX from my business account at XXXX XXXX for {$53000.00}. 
I was told that a hold would be placed until XX/XX/XXXX. On XX/XX/XXXX, I went into the bank in XXXX and was told my account was on hold by I believe his name was XXXX, not sure. We called Truist customer service stayed on hold, then the banker had to call another number and we stayed on hold, then I was instructed to call another number. Spoke with the lady and she mentioned something about a hold in the fraud department. I stayed on hold another XXXX minutes and then the phone hung up. 
I went into the branch in XXXX, spoke with XXXX, the only thing I was told was that my account was closed on the XXXX of XXXX and a letter would be mailed. I received the letter a few days later and it stated I would receive the funds within XXXX business days if funds where not collected at the branch. They would not let me withdraw the funds at all and it has been more than XXXX business days. 
I have called to no avail and have been on hold for almost an hour. I need my money now!
Product: Credit card or prepaid card

On XX/XX/2023 I received alert that my credit report received a hard pull from a Comenity cap XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX. 
I disputed with XXXX, but Comenity stated the account was mine and less than XXXX I received a response from XXXX that company stated account was mine and that it was staying on my account. I reached out to XXXX XXXX XXXX  and realized this company was pretty shady and had other people reporting same thing happening to them.I then reached out to you all and after a couple month received a letter stating they dont show record of me. all i want is for my credit to be update with them removed because i never applied for anything with their company. why much people be so crooked.
Product: Debt or credit management

I hired freedom debt relief in XXXX to handle credit card debt. My graduation date was set for XX/XX/XXXX. In XX/XX/XXXX i was applying for a mortgage and paid all monies due to fdr to pay off XXXX creditor in full. We were already making payments to them and the balance due was {$230.00}. I asked them to pay the full amount in XXXX Well, in XXXX, i found out it hadn't been paid. In fact, fdr told me XXXX nullified the agreement and fdr would have to re-negotiate another settlement with them. I asked why it was nullified when i thought they paid it off as i requested.they tried blaming it on me, saying there was no money in my account. After i went ballistic on them, they told XXXX was at fault. So i called XXXX. XXXX told me they didn't receive ANY payment AT ALL in XXXX. So i called fdr. They got a new nehotiated settlement for {$390.00} and asked me to accept it. ( Keep in mind, we are now in XX/XX/XXXX, and they have been taking {$9.00} fee for themselves from my money for four months ). So, now i have {$300.00} left in my account. They want to take another {$200.00} from my personal checking for apr, XXXX, and XXXX to add to the {$300.00} i have remaing with them, which will total {$900.00} at the new graduation date of XX/XX/XXXX. {$900.00} so they can pay the new agreement amount of {$390.00}. XXXX Absolutely not!!! I want fdr stopped and i want my money back. They are THIEVES
Product: Debt collection

Sunrise credit service in 8 XXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX, contacted me many times on the issue and I said to stop. 
15 usc 1692c ( c ) clearly states If a consumer notices a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. They have contacted many times which is illegal and offensive, I do not owe them anything and want this removed from my credit history, I have never signed anything or owed anything to them. I also asked them for the purchase agreement which they denied, please verify that these collections were 100 % accurate and if not please remove them from my credit immediately. Because the information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX acct # XXXX XXXXXXXX has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX XXXX, and XXXX is governed by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts are listed below XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX XXXXXXXX XXXX  acct # XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX
Product: Debt collection

XXXX XXXX has been putting on/ taken off back n forth a debt of {$260.00} on my credit report for a couple years now. I call them, dispute the item they claim I had for XXXX XXXX they can not provide me any info it was mine, they delete from my report and within a week they put it back on my credit report as a collection. 
They have damaged my credit report, therefore XXXX asking you for help in XXXX them delete their collection off my credit report immediately. They took off again last month and put back on. Please look into this as iam getting nowere on/off. I been disputing this for XXXX XXXX XXXX  and again they take off and within s week or so they put this back on my credit report. 
Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer did not consent too nor authorize these inquiries that are reporting to my Transunion consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Transunion. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Transunion sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Transunion an identity theft report via USPS certified mail. Is Transunion above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Transunion humiliated me to the public and damaged my reputation. Transunion decreased my score because of those inquiries that have no connection to me. If Transunion can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Transunion let concur on my consumer report. Transunion stole my identity and sold my private information without prior consent. I have a right to privacy and Transunion violated my privacy.
Product: Vehicle loan or lease

I have tried to get my contract from the company they have been giving me the run around. I have made XXXX payments on my loan and I still owe more than have of the original price.
Product: Credit reporting or other personal consumer reports

Experian Subject : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute an inaccurate item on my credit report that was provided by your agency. I have reviewed my credit report and found the following information that I believe is incorrect. Under Section 1681 ( G ) and 15 U.S. Code 1666b - Timing of payments Please send me details of the procedures that were used to verify that this account is " correct '' and send me also the name and addresses of persons contacted per regulations found in the FCRA. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate or incomplete. I respectfully request that you investigate this matter and correct or remove the inaccurate information from my credit report. Please provide me with an updated report once the dispute has been resolved. For your reference, I have attached the following documents to support my dispute : I understand that the FCRA mandates that credit reporting agencies complete investigations within 30 days and provide me with the results of their findings. Please inform me of the resolution at your earliest convenience. Thank you for your prompt attention to this matter. 
Please review : XXXX XXXX XXXX  XXXX XXXX Balance {$680.00} StatusAccount charged off. {$680.00} written off. {$470.00} past due as of XX/XX/year>. 

XXXX XXXX XXXX Date XXXX Balance {$480.00} StatusAccount charged off. {$480.00} written off. {$480.00} past due as of XX/XX/year>. 

XXXX XXXX XXXX Date XXXX Balance {$97.00} StatusOpen. {$67.00} past due as of XX/XX/year>. 


XXXX XXXX XXXX XXXX XXXX {$15000.00} StatusAccount charged off. {$38000.00} written off. {$15000.00} past due as of XX/XX/year> XXXX XXXX XXXX XXXXXXXX Date XXXX Balance- StatusPaid, Closed. 


XXXX XXXX XXXX Date XXXX StatusPaid, Closed. 


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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

AWA collections has not attempted to contact me and the ONLY way I found out that something had been sent to them was by my credit report. I have contacted them to get paperwork verifying the charges since I never received anything from the hospital before being sent to collection. They told me to mail in request for documentation but the first rep (   XXXX  /2017 ) did not provide any information. My insurance company then called and the collection agency verified information with them and provided information to them but not to me. The  2nd  rep hung up on me repeatedly even after me asking for the information. The 2nd rep  XXXX   XXXX  ID  XXXX  (  XXXX / XXXX /   17  ) was also condescending when I asked what the charges and dates were for since I have still yet to receive anything from this company. I also questioned if they offered a discount if I paid in full today, I was immediately told no and that they do not have to work with me because I did not pay my bill, would have had I known about it! Every time I have talked with this company they do nothing but talk to you like your stupid for not paying your bill. Everyone at some point or another has had a bill go to collection. It sure does not help when they will not work with you to get this issue taken care of. This issue is still not resolved since you can not get any where when talking to them because they talk down to you every single time you call. I was told today (  XXXX / XXXX / 17  ) that a letter was sent to  XXXX   XXXX   XXXX   XXXX   XXXX  which does not exist and the hospital has the correct information I was there  4 w eeks! No date of when the letter was sent was provided to me. I pray that no one has to work with this company they are horrific and not helpful at all!
Product: Checking or savings account

Capital One has not deposited my paycheck on XX/XX/year>. There has been a " technical difficulty '' since XX/XX/year> and people were only notified late last night ( XX/XX/year> ) by email with a vague response that things will be up by the morning of XX/XX/year>. This did not happen. I need my paycheck and this is unacceptable- both the issue and the way they handled this situation.
Product: Debt collection

On Monday XX/XX/XXXX  at around XXXX PDT I received a phone call from XXXX ( XXXX ) XXXX and the caller said he was from a debt collection agency called Radius Global and that XXXX XXXX forwarded his company a {$100000.00} debt I supposedly have with a XXXX  XXXX XXXX and he was calling to collect payment on this debt. 

The person completely butchered the pronunciation of my name so I told him I think he had the wrong number because thats not my name and I never had a XXXX with XXXX XXXX. The caller said that was interesting and said he wanted to ask me some details to verify he had the right account and ensure this isnt fraud. So first he asked for the last 4-digits of my social security number which I gave to him. Then he asked for me to give my full mailing address which I thought was odd he didnt ask for a partial piece of the mailing address if he just needed to validate he had the right account up so then I asked him I dont feel comfortable giving out my full address because how do I know this isnt a fraudulent call. He then said he understood and I was welcome to XXXX his business, Radius Global, and can call the number I see on their website and settle the debt. 

I hung up and instead did a free credit report check with XXXX to validate there wasnt a fake XXXX  XXXX card opened under my name and SSN I didnt know about and saw that there isnt an open/active XXXX  XXXX card under my SSN so I think that confirms I got a fraudulent call.
Product: Credit reporting or other personal consumer reports

I dont know but I see PENN CREDIT CORPORATION on my credit report and I still see it so I know it should have been removed since XX/XX/year>. But it hasnt and this has become a problem for me when I have my credit report pulled when looking at apartments it has cost me a lot of lost with paying for application fees. I would like it removed with the rest of the one s I have already disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

Account for first financial corp open date XX/XX/XXXX has been in collections on account since. Came off credit report XX/XX/XXXX. It was re-reported XX/XX/XXXX. As an account saying paying under partial agreement. There was never an agreement made to pay this debt.
Product: Student loan

I have paid off most of my accounts with ED financial and they have not reported any of them to the credit bureau. I even disputed it on the XXXX XXXX site, received an email stating it would be taken care of in the next 7-10 business days and that still has not happened. 

I have made several calls to Ed Financial and was told that due to them switching over to a new system they didn't have to report stuff to the credit bureau until XX/XX/XXXX of this year. It is now XXXX and none of my loans have been submitted as paid, when One has been paid in full since XXXX of this year. 

I have statements from by bank account showing that the money was removed and when I go onto their site they are showing as paid yet not reported. I have spent so much time and effort to # 1 make my payments, but for them not to report is disrespectful to me. 

Thank you for your time
Product: Mortgage

Mr. Cooper is acting as a Servicer on my Mortgage, when in Fact they are a third party Debt Collector. I have been trying to get all my money back from Mr. Cooper for Monthly Mortgage payments made by me to them. 

According to Fair Debt Collection Act XXXX, ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) 1978 Protects consumers from Debt Collectors. 

First off, I am NOT BEHIND ON MY MORTGAGE PAYMENTS. 
I'm am not in DEFAULT ON MY MORTGAGE, and Mr. Cooper has brought my Mortgage from a Company I don't know. 
Mr. Cooper can not Collect on a Mortgage that's in GOOD standing. 

Mr. Cooper continues to Collect payments on my Mortgage. 
They have mailed me Copies of my Mortgage and do not own my Mortgage. 
Copies do not make them the True owner of my mortgage. 

XXXX should not be in procession of my Mortgage because I'm NOT IN DEFAULT.
Product: Mortgage

On XX/XX/XXXX my city and county taxes came due. XXXX XXXX said they sent out both however the city taxes to todays date of XX/XX/XXXX have not been paid. I have notified them twice on their online communications system and have not received a communications back. First and foremost they didn't even send the correct amount on top of all of this they gave me a refund early last year on my escrow when they shouldn't have done so. This company is horrible and should be closed down. They have now cost me {$81.00}.
Product: Student loan

I received an alert from XXXX  that a new account was reported to my credit report negatively. This account is not new! Im addition this account is with a collection company that is collecting on behalf of XXXX. I am in an agreement with Conserve however XXXX is reporting the debt and not conserve. I have been in the agreement with XXXX only a couple months and have paid as agreed. XXXX have report no payments but states on a recorded call that I recorded they have received the payments but refuses to show the payments being made. When they reported the account they did not report the correct amount. I dont care if I pay them {$2.00} a month they have gotten on my XXXX nerves for this {$2.00} XXXX dollars they are going to report it! I refused to let them reage an account illegally and as well show inaccurate information
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame.

1. 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/scrub>XXXX  Please remove it from my credit report. 
3. 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX A XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$790.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Mortgage

This is my second complaint to my mortgage company from my first complaint in XX/XX/XXXX regarding the same issue. My mortgage company Newrez LLC continues to pay my property taxes under the incorrect tax parcel number and incorrect amounts after repeatedly informing them that my current parcel number is being divided, and therefore, the amounts being reflected is incorrect. I asked that they should pay my taxes only after I submitted corrected tax bills from my county office which then they can pay it or adjust any differences back to my escrow account. My mortgage company did not do that and continues to pay my taxes in the incorrect amount. Even after I submitted the corrected tax bills ( which is called a pay by legal bill with an ABL number instead of a parcel number ) to them, they also pay my corrected tax bill WITHOUT adjusting any difference of the first bill they had paid back to me or refunding me a full amount of the first bill. Because of this, they continue to use the incorrect tax amount to calculate my monthly payment and escrow analysis, causing my escrow account to have a very high negative balance and expecting me to pay it. I was told many times by them that an adjustment would be made when I submitted the corrected tax bills but that never happened. Right now, I can barely afford to pay my mortgage payment if it continues like that. 

My county office ran a report of the amounts under my undivided parcel number in the amounts that Newrez had paid, and also the amounts from my XXXX XXXX  XXXX ( XXXX ) bill which is the actual amounts that I am responsible for paying. I have attached the report to this complaint. This is for both tax year XXXX & XXXX, specifically XXXX XXXX installment ( XXXX ), XXXX XXXX installment ( XXXX ) and most recently XXXX XXXX installment ( XXXX ). I have not received a full refund on any of these and my mortgage company continues to make me do a full monthly payment including the wrong tax amounts they had paid for me in order for me to clear my negative escrow balance. 

I am in need of any assistance and resolution as this continues. If my mortgage company can not fix any issue on their end or accommodate my payments I will plan to sell my house.