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

Trusit allowed a number of fraudulent transactions to be processed against my Adult daughter 's bank accounts ( which I later found out, I was listed on the account ) this caused her account to be significantly overdrawn, and Truist subsequently charging 2 of my accounts to clear and close all 3 of my daughter 's without any notification via text or email. 
On XX/XX/2023, I received an email of a negative account balance and immediately contacted the bank and informed them of 3 unauthorized transactions on my accounts, ( I am the only authorized user of my accounts with Truist ). The representative stated, nothing can be done at this time because the transactions were pending and to call back in the morning ( XX/XX/XXXX ) if they posted. I called back only to be told the transactions were for account closeout and that I needed to visit a branch. I went directly the XXXX branch and spoke with XXXX XXXX XXXX. XXXX XXXX did exactly as I had done, contacted customer service. The only information provided was, the bank had terminated the relationship with my daughter because of the fraudulent activity but she didn't understand why my accounts were affected. XXXX XXXX was transferred to the fraud department ; however, they were closed. 
I was informed to come back on Monday, XX/XX/2023, which I did. I the spoke with the Branch Manager, XXXX XXXX, only to be told the bank was reviewing my accounts for possible closure due to the fraud on my Adult daughter 's accounts. She could not obtain any further details as they stated things were still under review. 
Through all of this, I have spoken with so many different representatives from Truist and could never get a complete answer. 
To date, the bank has returned my Federal government payroll check, caused some bills to not post to my accounts and have blocked my accounts from all activity ( no deposits or withdrawals ). This has caused a great deal of inconvenience and frustration. I have been with this bank for over 30 years. This is not how you should treat your value customers. 
All of this could have been avoided with the proper protection and notification. Also, I think some training need to be done, on behalf of Truist, because I spoke with a number of representatives during this time period and should have been able to get definitive answers. 
I need this to be addressed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

in Accordance with the fair credit reporting act XXXX Account # 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 writtensinstructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. FurthermoreXXXX XXXX XXXX XXXX XXXX XXXX is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019, I try to eliminate errors in my credit report from XXXX, Experian, XXXX. They present certain debts which I do not recognize and according to the law I decided to dispute those accounts. I have sent a number of letters asking to verify why these accounts are being reported under my name since I don't know any of these companies. I even went directly to these companies and I ignored my letters, I never received a response from them. I let XXXX, Experian and XXXX  know and they only replied that they had been verified. I ask for evidence of that and I don't answer either. I'm already tired of these companies doing what they want with humble people and damaging their credit report with false information. XXXX, Experian and XXXX  show accounts that I never had with companies I don't recognize : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX. I hope you can stop this injustice.
Product: Debt collection

Original creditor XXXX XXXX XXXX FIRSTPOINT COLL RESOURCES INC Account Number ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX I canceled this insurance policy when my car was repossessed I wasnt even given a refund for the remainder of the time of the policy Then the insurance company sold my personal information to a third party debt collector without my knowledge or consent I didnt even know I was still being charged after I called and canceled their services because I no longer had a car to insure I understand that this is identity theft and fraud because its illegal to sell someones personal information after canceling the service and selling the person information of an ex client to someone else intentionally for profit at the expense of an client Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2
Product: Debt collection

Around XX/XX/2021 Santander received certified tender of payment and a certified promissory note in good faith, also documents conditionally accepting there alleged claim to any debt predicated upon verification of the debt, as defined in Blacks 6th, pursuant to fdcpa, fcra, Santander was requested to cease any and all collection activity until debt is verified Santander is still actively attempting to collect debt by reporting it to credit bureau. I demand any and all collection activity ceases until Santander verified the debt. XXXX
Product: Credit reporting 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 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 card or prepaid card

I have an account with Chase bank, charges on my credit card comes to {$930.00}. Chase claims the charges are {$1000.00}. I have spoken to different people in different Chase bank and each time I am told something different. I have asked each person I spoke with to explain to me in writing so I could better under. Each person refused. 

Also I have another credit card with Chase which I have not used in over two years. Chase takes auto payments from my account checking account. Chase has taken {$110.00} up to {$160.00} from my checking account each month for payment on this card. The balance never got below {$5000.00} in the two years. I paid the total amount due on account before the due date to avoid attitional interest, not only did Chase charge me interest on a zero balance, but charge me additional dollars.
Product: Checking or savings account

Opened Sofi Checking Account in XX/XX/XXXX with the promised of XXXX welcome bonus with a XXXX or more direct deposit payed out in their terms. Tried several times to contact them about not getting paid even though I had qualified. Multiple times they had mentioned that it was due to the coding not being corrected and my first contact with the company, the agent XXXX explained how it was to be corrected and I would be receiving the bonus. In addition, XXXX then goes on to say that upon correction the next DD i receive will be coded correctly and Ill be paid then if I had already not been. However, this was never the case. Fast forward into XX/XX/XXXX they still refuse to payout the promised XXXX welcome bonus and the account manager XXXX cleared lied saying how the bank promo was never applied to my account which is not true, evident from the provided pictures.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} XXXX  XXXX Balance : {$4400.00} XXXX XXXX  XXXX Balance : {$0.00} Original Creditor : XXXX XXXX Balance XXXX : {$350.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I sent the below six transactions through PayPal to pay my contractors. The total value of payments is over {$27000.00}. 

None of the payments have been released to my contractors nor has PayPal responded to any of my complaints despite repeated assurances to the contrary. PayPal also won't allow me to cancel the payments and pay my contractors through other means. 

Additionally, PayPal informs me they may hold the money for six months. That's outrageous. If they're not going to forward the payments then I should be allowed to cancel the payments and have the funds returned to my account. Otherwise, if my contractors aren't getting paid, then I'm out of business. 

Thank you for any assistance. 

Transaction ID : XXXX {$2200.00} Your recipient should have the money by XX/XX/2019 Transaction ID : XXXX {$8200.00} Your recipient should have the money by XX/XX/2019 Transaction ID : XXXX {$2100.00} Your recipient should have the money by XX/XX/2019 Transaction ID : XXXX {$8300.00} Your recipient should have the money by XX/XX/2019 Transaction ID : XXXX {$1900.00} Your recipient should have the money by XX/XX/2019 Transaction ID : XXXX {$4600.00} Your recipient should have the money by XX/XX/2019 2019
Product: Credit card or prepaid card

A transaction was made on my account by " XXXX XXXX XXXX '' resulting in an overdraft. I contacted American Express and was told that this is an internal issue due to an update and they expect to have it resolved within 72 hours. I asked why a credit could not be issued, as they were aware of the problem, and the only answer I could get is that they were " truly sorry ''. It was mentioned during the call that many card holders were affected. I believe this issue should be looked into by the CFPB.
Product: Credit reporting or other personal consumer reports

I AM WRITING TO DELETE THE INFORMATION IN MY FILE. THE ITEMS I NEED DELETE ARE LISTED IN THE REPORT.
Product: Student loan

Navient states it is charging me for unpaid student loan. However the attached proves at of XXXX the claim of {$3800.00} was paid in the amount of {$3800.00}. 

Servicers have provided fraudulant accounting attached. It allocates payment of interest, thus leaving a balance. 

Servicer states : Any amount not paid by the trustee under the proof of claim will remain due.

XXXX would then be due. I am then due a refund for last years mistake payment.
Product: Credit card

I lost my wallet in XXXX, and someone used my credit card for a total of {$6400.00} with XXXX XXXX. BOA credited everything except {$1500.00}. I provided proof of my presence in XXXX XXXX at the time the unauthorized transaction occurred, including my ID, time cards, and even a police report as requested. XXXX XXXX claimed the person who took the flight from XXXX to the U.S. was a man, but I am a woman, which is why I submitted my ID for verification. 

BOA is now suggesting that my mother, who is the secondary cardholder, might have used the card. However, this is not possible because this is her backup card, and she never uses it. Additionally, they mentioned that the person who took the flight has the same last name as my mother, which is XXXX very common last name in XXXX, where 1 in 5 people have it. It has been six months, and Im still facing challenges resolving this issue. I dont want to pay for charges I didnt make.
Product: Debt collection

I have called them back multiple times and they hung the phone up in my face or they told me that I needed to verify my account and provide them with my address or other identifying information. I called back on Thursday, XX/XX/XXXX and spoke to XXXX and I informed her that I was making a complaint to the National Do Not Call Registry and to please stop calling me and she simply okay you have a nice day. I said cease and desist and once again she said okay have a nice day and the call concluded. They have called me on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XXXX at XXXX XXXX, XX/XX/XXXX at XXXX am, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. Those are just some of the call logs that I haven't deleted from my phone.
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 15 USC 1681. 
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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I mailed certified a personal information dispute requesting incorrect personal information be deleted from my report. Experian removed a portion of this incorrect information but not all. On XX/XX/22 I mailed certified once again another personal information dispute demanding inaccurate details be removed from my report. Experian has refused to remove this information or otherwise provide the required documentation as to their knowledge of truth in the personal information reporting.
Product: Mortgage

Problem Company : SPECIALIZED LOAN SERVICING Problem : I am paying my monthly loan payment in advance before the date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the company is stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee ''.
Product: Credit reporting or other personal consumer reports

En varias ocasiones he solicitado a las agencias crediticias la correccin de nombres que estn siendo mezclados en mis informes y hasta la fecha no han realizado las debidas modificaciones haciendo caso omiso de mis solicitudes violando mis derechos de mantener un informe preciso.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report even after your investigation and reinvestigation. The account payment history is clearly and OBVIOUSLY INACCURATE, The inaccuracies are highly injurious to my credit score. I HAVE LISTED BELOW MULTIPLE INACCURACIES THAT YOUR COMPANY IS REPORTING, EVEN AFTER YOU Updated & Verified the account. Here are a FEW of the inaccurate payment history, making all the payment history inaccurate as it currently XXXX XXXX XXXX XXXX XXXX On time XXXX -60 days late XXXX - 90 days late XXXX, XXXX, XXXX-All listed as 90 days late XXXX XXXX 120 days late XXXX 120 days late XXXX- 120 days late XXXX 30days late I am DEMANDING THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT! It is a violation of my Consumer rights per The Fair Credit Reporting Act ( FCRA ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procr was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 9 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report today and discovered an alleged several number of hard inquiries. I do not recall authorizing this inquiry and i would like to see the application of Credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 

XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXXXXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX U.S. Code, 15 U.S. Code 1681 et seq . Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. 

Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirmed physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. 

Please provide proof of permissible purpose by furnishing to me documentation of credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately.
Product: Checking or savings account

I became a victim of fraud under false pretense, I think this is more common than we all know about. I was speaking to this man who was in the XXXX and advised the government was sending money to help him. This man eventually obtained my account information, login information, physical address. He took over my accounts, deposited checks, and caused a negative balance in two of my accounts. He also sent 10 XXXX to my address which was then sent to an address. My XXXX account balance was outrageous due to this. XXXX quickly addressed the fraud matter, removed the fraud charges and my account is back to normal. My two bank accounts have not been resolved, They are treating me like a criminal. They want me to pay everything back and keep saying everything is my fault. They are not communicating with me except to collect money. WHO PROTECTS ME, makes you never want to trust a bank ever!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX  for the amount of {$4900.00}, Account XXXX # XXXX for the amount of {$5000.00} 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. Code 1681s2 - 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, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XXXX AND XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX FOR MY XXXX XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiries In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 



In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 


In accordance with the Fair Credit Reporting Act, 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately.