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

ON XXXX I deposited a cashiers check for {$49000.00} in ATM that was endorsed and signed over to myself. ON XXXX of XXXX the check clears and a hold was placed again. On XXXX the funds would be available but only to be placed back on admin hold I called TRUIST they advise me to walk in the branch I deposited the check in. On XXXX I go to the XXXX XXXX XXXX TRUIST win XXXX Ga to no avail no help was provided. I was advised to a branch leader that was no assistant. Around XXXXXXXX XXXX on XXXX I referred to the TRUIST at XXXX XXXX XXXX GA for a branch leader and no assistance was provided. ON XXXX I called TRUIST they again advised me to go back to the branch. ON XXXX I went back to the TRUIST ON XXXX XXXX XXXX IN XXXX where I was assisted by XXXX. XXXX himself calls TRUIST and I was then told to wait for TRUIST to give me a call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. I did some research on how to get rid of the bogus stuff in my report and discovered that I needed to make a report with the Federal Trade Commission by going to https : //www.ftc.gov. Credit reporting agencies are required to erase or block any things reported on an identity theft report under FCRA section 605b. Please refer to the ATTACHED materials to help stop false information from being put to my report. 

This is a list of things that don't belong to me or that weren't opened with my consent. 
XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX ; CXXXX XXXX XXXX XXXXXXXX Balance Owed : {$6800.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXXXXXX 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 60 days 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 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 8
Product: Vehicle loan or lease

I purchased a car through American Financial Services-American Car Center. They were then bought out by Westlake Financial Services. I am trying to request a 10 day pay off quote as well as my full account statement. They stated they are unable to provide this information to me. They are refusing to give the information needed in order to pay off the vehicle and buy my lease out. Which was the original agreement of the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX post Requested an hard inquiry on me credit report with transunion XXXX I investigate my report on XX/XX/2022. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because first I was in process or preparing with filing XXXX XXXX XXXX and second I already had credit through them and had to get place in XXXX The date I filed XXXX was XX/XX/2022.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX, XXXX Transfered {$40000.00} and {$190000.00} from American Express Personal Savings account to XXXX XXXX Savings Account XX/XX/XXXX, XXXX Initated transfer of {$3000.00} from my XXXX XXXX XXXX XXXX account to XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX  XXXX my account and online access without notifying me or providing any reason ; I can not access my funds or my account at this time XX/XX/2022 at XXXX Called XXXX XXXX Customer Service; agent claimed she could not assist me and provided no explanation as to why my account had been XXXX or why I can not access my funds ; she stated I have to wait for another another department at Bask Bank to call me to further explain. 

I have never had an account " XXXX '' nor have I been denied accesst to my funds from any other institution. 

XXXX XXXX needs to release my funds in the form of a cashier 's check mailed to my listed mailing address or provide my other institutions with a letter of identity to return my deposits to my original accounts ; XXXXXXXXXXXX XXXX appears to be fradulant.
Product: Debt collection

the representative stated i owed them {$2600.00} and if I didn't pay it they were going to continue calling me and sending me letters in the mail until it is paid. I told them they do not have any documentation bearing my signature and I do not have any contract with Diversified Consultants. I told them as per the Fair Credit Reporting Act Sec 611 ( a ) ( 1 ) ( A ) they have 30 days to complete this investigation and remove this from my credit file. They laughed at me and still stated it was a debt owed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit agencies to validate the information that's reporting on my credit report and they have failed to provide me with this information and its negatively reporting on my credit report. According to the Fair Credit Reporting Act. 15 U.S. Code 1601 Truth and Lending congress states that accuracy and fairness of credit reporting should be reported. 
In accordance with the Fair Credit Reporting act 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

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX
Product: Mortgage

In XX/XX/XXXX, I signed a mortgage agreement with XXXX XXXX XXXX XXXX XXXX for {$54000.00} for my home. Servicing was transferred to Saxon before the first payment was due, and some years later servicing was transferred again to Ocwen Loan Servicing, L.L.C. Since then, there have been two modifications to the original loan. After fourteen years, with  additional charges and fees rolled in, I now owe almost {$10000.00} more than the original loan. On XX/XX/XXXX I received a foreclosure summons from XXXX XXXX XXXX. Approximately one month prior, I received notification from Ocwen that the loan had again been transferred to another servicer ; but I have not had any contact with them at all.Even though I owe more than the original loan and the property is appraised at {$49000.00}, it is still my desire to keep my home. I'm XXXX years old, not in the best of health, but still working full-time. We're trying to find help, but have had no success so far. I just want to live out whatever time I have left in peace, but this whole thing has become a convoluted nightmare.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Co

mmittee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : $ XXXX Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> To Whom It XXXX Concern : You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ), has violated several of my rights. 
15 U.S.C 1681 Section 602 A. Clearly states that I have the right to Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting clearly states that I have the right to Privacy.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

XXXX XXXX
Product: Debt collection

I made an agreement with Client services Inc. in XXXX of XXXX to have a certain amount of payments automatically withdrawn from my account. The payments were all made and the account was supposed to be paid off. There was not supposed to be Interest charged. I had XXXX in XXXX and was very ill. Apparently I mad a payment during that time. They are now calling me saying that I owe over {$300.00} and the account is interest bearing.
Product: Checking or savings account

I opened account with Capitalone 360 Savings XXXX, XXXX {$4700.00}. I tried to to use it all the features such transfer, send money, etc from my account but it blocked. I made some phone called to consumer protection CapitalOne and their answered I can get my money from the origin previously bank. But obviously i get bill statements for 2 months afterwards and i can check my account online too. 

Than i got busy looking and moving house. 

XX/XX/XXXX after I settled in new house I checked my online account the balance {$0.00} and mentioned withdrawal that i never done it. So I called again customer support or service why their is withdrawal not by me? She mentioned that the CapitalOne closed my account and send check to my new home address. 

XX/XX/XXXX till to date I received only Bill statement mention that my balance for XX/XX/XXXX to XX/XX/XXXX are {$4700.00} to {$0.00} and I have not receive the check, I made some calls again to customer support or customer care to resend check, no response yet.
Product: Debt collection

I obtained a copy of my credit file and noticed XXXX XXXX is reporting a debt that was settled and paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Has violated my rights ; 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U ; S ; C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 U ; S ; C 1681c, ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U, S, C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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

Over the past few months I have noticed several accounts that I do not recognize reporting to my consumer report. Ive reported this issue to all 3 of the credit bureaus more than twice and no action has been taken.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.
Product: Debt collection

HEY XXXX XXXX ; JEFFERSON CAPITAL SYSTEM ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting agency is not reporting my XXXX credit card account which has a XXXX   balance. They are also missing information on my XXXX credit card account. I am also complaining because an account XXXX  XXXX XXXX that was previously deleted off my report is appearing again. It is showing as an adverse account. It was deleted now its re-appearing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth 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 alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX Inquired on XX/XX/XXXX  ; XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX XXXX XXXX Balance {$1000.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$1600.00} ; XXXX XXXXXXXX Balance - ; XXXX XXXX XXXX XXXX XXXX -.
Product: Debt collection

I have received a letter from Dynamic Recovery Solution regarding a past payment due to a medical bill from XXXX XXXX XXXX. My XXXX ID # is XXXX and supplemental health insurance XXXX XXXX XXXX Policy # XXXX should completely cover the costs of my medical treatments and hospitals. 
If you have any questions please contact me at XXXX XXXX XXXX
Product: Credit card or prepaid card

The company Im with is Discover card. I got a card with them back in XXXX and I was excited because that mean I could actually start adulthood with a credit score. This incident occurred on XX/XX/XXXX, I think. So I looked at my account to see how much I had to pay for the next month ( XX/XX/2020 ) and I saw I had a balance of {$400.00} on it, which was weird to me since Id only spent {$17.00} on art supplies ( since Im stuck inside, I bought some canvases to paint on ). I called the company a total of four times ( once I didnt get to talk to anyone because I called outside of their usual hours ). 
The first time, I was transferred over and was told that it was from a past fraud claim at the end of XXXX and that it was determined to be legitimate. I argued couldnt have been because I hadnt authorized the charges and I didnt have the card anyway because I never received it. They told me that they couldnt do anything and I had to give an explanation as to why it was being used ( as if I could, I had no knowledge of where the card was or if anyone took it ). They told me to file a police report and that was it. 
The second time, I talked to another person who told me hed look into another dispute for me ( which Im really grateful for ). That one was also denied but I didnt know until the fourth call. This person closed the account because I still hadnt received a card and had the new card sent to my dads house since I live with my mom. He also told me it was used via chip so someone had to have physical possession of the card. 
The third time, they didnt answer. That was on me since I didnt check the hours. 
The fourth time, they told me what the first guy did. They said they couldnt determine it was fraud because it was close to my home ( which I mean makes sense, they would use it close by if they wanted to ). Mind you, I have no license so I cant drive anywhere and I had no reason to spend even over {$100.00}. The most Ive ever spent at one time was {$200.00} and that was for an xbox for myself as a gift using my debit card. Thats it. I dont want to be charged for something I couldnt have spent. I dont know what other evidence they want from me but Ive filed a police report to try and get some answers. Hopefully this gets somewhere and actually gets resolved. I feel like I was failed by the company, especially as a college student. Im honestly thinking of closing my account and maybe dealing with my credit score later but I know this is going to affect me regardless. Ive lost trust in people I love most because of this. I panicked after the fourth call because honestly I dont have the money to be paying off someone elses purchases. And either way, why would I pay for someone taking advantage of MY card?
Product: Money transfer, virtual currency, or money service

From XXXX, I had transferred the money from XXXX to East-West bank in the USA, I found that I missed some money after each transfer, For example, in XX/XX/XXXXXXXX, I totally transferred the amount is XXXX $ in five transactions, finally, I only received XXXX , and then East-West bank still charged me another XXXX $ for wire transfer-in service fee. the final balance which I got was XXXX XXXX I totally missed XXXX $ just for that transfer. 

This happened more than once, Both the international transfer fee and service fee were charged in every transaction of wire-in during XXXX. I made a list of all the charged fees in the attached file. 

I called more than once the East-West Bank to explain, their explanation was the money was charged for international transfer by a third party, and even they didn't know the name of the agency or organization that had charged me.