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

on XXXX I used the Truist XXXX Banking XXXX  to deposit a check ( sent to me as a gift from a family member ) worth {$4000.00} into my checking account. I received a text from Truist that the deposit was received and that typically funds would be available within two days unless there was a hold. I then received an email from Truist that a hold was being placed on the deposited funds of XXXX XXXXXXXX. The following day I received an email that only {$3700.00} of the funds were being held and that they would be available XXXX. I tried to use my debit card later that day ( the XXXX ) and it declined. I then tried to log into the Truist mobile app to see what the issue was and it could not log me in, claiming that there was a " sign in error ''. when I tried the " forgot my password '' or " forgot my userID '' features, it claimed my credentials were invalid despite being correct. The following day ( the XXXX ) I called Truist 's customer support line and they gave me the direct number to the fraud department. When I got in contact with the fraud department they said my account was put on hold due to a " fraudulent check '' and asked if I was aware of the deposit. I told them I was aware and corrected that the check was not fraudulent, it was sent by a trusted family member. she said that she would make a note of that on my file for the investigator. I asked her how long it would take to resolve this and she said " it depends on the the person assigned to my case ''. I said okay and ended the call thinking this would be resolved in a few days. At this point I have received no correspondence of any kind about my entire account being put on hold besides what was said on that one phone call. No email, no texts, no mail. I can't log in to my online account or use my debit card or pull any money from the account. It's completely locked. I double checked with the person who sent and wrote the check that everything was okay on their end and they said there were no problems. I called Truist again on XXXX after not receiving any sort of update for several days, calling the direct line for the fraud department again. I was told they were still investigating. I asked for more info regarding at least a time frame because I could not understand how they can hold my entire account and money XXXX for this long when I need to eat and pay bills or why they are even investigating in the first place. the call operator went on hold for a long time and then just read me a script response that the account is being investigated and that they can't give me a time frame since it's up to the analyst who is assigned to my case. the last thing she said was to keep an eye on any correspondence from them regarding the situation. as of the day of submitting this complaint ( XXXX ) I have not received any information or update from Truist about my account. my account is still locked and I have no way to access any of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are currently violating my consumer rights by improperly utilizing confidential information contained in my credit file without my expressed written consent. Furthermore they are reporting inaccurate information thereby defaming my reputation, their actions continue to negatively impact my ability to engage in commerce. They continue to violate my privacy rights and are failing to assure the maximum possible confidentiality, accuracy, relevancy and proper utilization of my consumer information. 
I am aware that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
I am also aware that consumers have rights to privacy and the invasion of privacy laws and statutes have been enacted to prohibit conversion and unauthorized use of consumers information from being utilized improperly or made public, without their explicit consent pursuant to 15 USC 1681 ( a ) ( 4 ), and according to FCRA unverifiable and unauthorized account must be removed.
Product: Debt collection

I disputed information on my report that I belie ve may not  be correct. Certified letters were sent and received by the company on  XXXX   XXXX  and  XXXX   XXXX . The company failed to mark this account as disputed within the 30 day period. They have violated the FDCPA and FCRA.
Product: Mortgage

Hard to tell what has happened but it appears that Wells fargo has chosen to apply 100 % of my XXXX payments to interest. 
I was in approved forbearance until XX/XX/XXXX with a XXXX XXXX  backed mortgage. XXXX XXXX forbearance rules prevent accruing interest on forbearance by servicers. WF did add a " unpaid second principal balance '' to my loan for the 11 payments I missed [ $ XXXX {$10000.00} ] I made a total of XXXX payments in XXXX [ XXXX ]. My XX/XX/XXXX principal balance was {$160000.00}. My XX/XX/XXXX balance increased to {$160000.00}. My XXXX from WF indicates " total interest applied '' of {$6200.00} plus payments applied to previously deferred interest of {$3300.00} '' for a total of {$9500.00} [ suspiciously also the total of payments made in XXXX [ XXXX ] ] They are charging me interest on deferred payments in contravention to guidance from XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I charged {$2100.00} to a home improvement contractor on this card. It was for a deposit for home improvement ( basement finishing ). The contractor took this money along with {$6000.00} on another card. The total contract was only for {$12000.00}. The contractor purchased about 400 dollars worth of lumber, never pulled the appropriate permits and then asked for {$3000.00} more because he " underbid the job '' and needed that money for fire suppression. In sum, the contractor did NO WORK AFTER STEALING OVER 8000 from me!!!

I fired the contractor at that point and initiated a dispute with my card companies. My other charge card company found in my favor because they actually did an investigation. Bank of America DID NOT. They merely stated I didn't submit the appropriate information but I did because the exact same information was sufficient for the other card company.

I tried about 2 dozen times to resolve this matter with the merchant " XXXX XXXX XXXXXXXX '' and the merchant never responded. I then filed an official complaint/dispute with the bank on XX/XX/XXXX. Claim # XXXX. 

The bank DENIED my claim 2 weeks later on XXXX because I did not send the appropriate documentation. I tried to appeal to a supervisor and even called BOA HQ but merely was sent back to the same people I spoke to in the dispute department that could not assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax XX/XX/2022 Equifax Information Services, LLC. XXXX XXXX XXXX XXXX, GA XXXX I hereby request a confirmation letter for account number XXXX account deleted from my credit file Equifax response dated XX/XX/2022, Equifax investigation results Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX - XXXX SERVICE THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. 

Please send me the confirmation letter via Consumer Financial Protection Bureau portal ASAP within 7 days Company responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE pany 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX - XXXX SERVICE THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With my Equifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

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

My credit report is showing information that does NOT belong to me. I have reached out and sent the letters and am currently being ignored. I have not received any response from XXXX, Transunion, OR XXXX. This information is incorrect and must belong to someone else because I have never lived at the properties associated with said accounts Accounts Listed Below : XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) - Reporting on Transunion XXXX XXXX I reached out to the collection agency and they are reporting an address I have never lived at. 

XXXX  XXXX - Account Never belonged to me. My Identity must have been stolen and used against my will. It says the account was a paid collection, but it NEVER was mine to begin with. I would like this information removed Immediately. 

I have sent Certified letters to them as they instructed me to do and they have been ignoring me and not giving me any options to call in and handle this over the phone. They are not acting in compliance with the FCRA by not responding in a timely manner and are infringing on my consumer rights Here is the tracking number for all the letters that I've sent. 
Transunion : XXXX ( Received XX/XX/2023, XXXXXXXX XXXX XXXX XXXX : XXXX ( Received XX/XX/2023, XXXXXXXX XXXX  ) XXXX : XXXX ( Received XX/XX/2023, XXXX XXXX ) I sent all of these letters on the same day which was XX/XX/2023 As I mentioned I have not heard anything back from them and CAN NOT get them on the phone to discuss what is happening.
Product: Debt collection

I do not believe the debt that is reporting on my credit report is valid. I have asked them several times for the original contract, and they have not sent it but has mailed a copy of the debit with them.
Product: Checking or savings account

On XX/XX/XXXX, Chase bank deducted {$1800.00} from our checking account. 
Our monthly statement described this as a XXXX dispute ( see attachment " XXXX XXXX sttmnt '' ). I only learned of this that night, when Chase sent an email telling us of a letter to our accounts Letters & Notifications folder, informing us of the deducted sum ( see Attachment, " Chase letter XXXX '' ). A phone call with Customer Service the next day revealed our apartment tenant had fraudulently claimed that her rent payment of XX/XX/XXXX via XXXX was an unauthorized transaction. Chase made one attempt to contact me on my cell phone on XX/XX/XXXX at XXXX XXXX Chases records show they decided ten minutes later to pay the tenant from our account, and close the matter. This was wrongful, mistaken, and negligent of Chase for the following reasons. XXXX ) The lease term was from XX/XX/XXXX to XX/XX/XXXX ( see Attachment Lease ), and the {$1800.00} was our last payment received from the tenant, dated XX/XX/XXXX. ( Subsequent rents for XXXX and XXXX are overdue. ) Note the tenant did not claim the transaction was unauthorized until 2 months after we received the payment. 2 ) There was no dispute to which we were a party, until the {$1800.00} was deducted. A single attempt to contact us is insufficient, and the subsequent decision to close the matter XXXX minutes later is unfair and unjustified. 
( Even credit card charge disputes require more attempts. ) 3 ) Chase refuses to consider a pertinent condition preventing me from taking their phone call. I am an elementary school teacher, subject to strict laws governing cell phone use during working hours : I am not permitted to answer cell phone calls except for emergencies ( see Attachment, XXXX Cellphone Use Policy ). XXXX XXXX Customer Service promised on XX/XX/XXXX to follow up within XXXX business days. They have not. I have since telephoned them XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XXXX ), but have not received any explanation or clarification, and moreover, have been told the back room analysts never take phone calls, nor talk to customers with complaints. Chases behavior is to deduct money from customers without sufficient notification attempts, and to refuse customer appeals or complaints. Chase should reimburse the {$1800.00} their mismanagement took from us. They hastily and wrongly deducted it from our account without warning, and decided that a single ( failed ) phone call was sufficient effort to contact. They robbed us of both our rightfully earned money AND any right to respond to charges. This is unfair.
Product: Debt collection

Company Cadillac Accounts Receivable text me concerning an alleged debt. I do not know are ever done business with the company. I have attached a letter for the company to validate the alleged debt within 30 days from XX/XX/2021 per Fair Debt Collection Practice Act.
Product: Debt collection

my information was used to open credit accounts in my name without my consent. Ive been a victim of the XXXX XXXX XXXX which exposed my personal information as well making it easy to be victimized of identity theft. These accounts listed below were obtained and tried to be opened without my consent. My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Also It Appears That These Items On My Credit Report Has Turned Into A Charge Off But I Noticed You Never Sent Me A XXXX, Would You Be So Kind To Send Me A XXXX For A Cancellation Of Debt Of This Item Due To My Financial Hardship. * XXXX XXXX XXXX XXXX ( {$42000.00} ) XX/XX/year> * XXXXXXXX XXXXl XXXX ( XXXX ) * XXXX XXXX ( XXXX ) * XXXX XXXXXXXX- ( XXXX ) * XXXXXXXX XXXX XXXXXXXX ( XXXX ) * XXXX XXXX XXXX- ( XXXX )
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( 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 if, 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 the results of the reinvestigation; and ( ii ) 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry on my report without SS # being provided
Product: Credit reporting or other personal consumer reports

After viewing my personal information on XXXX, Equifax and XXXX. I noticed that there are several pieces of information that is incorrect. This information needs to be corrected
Product: Mortgage

My mortgage was switched to SLS ( Specialized Loan Servicing LLC ) a year ago and have had various issues with payment amount due changing numerous times and do n't know how they are even coming up with the amount due let alone they ca n't correct the issue created by their mistakes when applying funds sent in to supposedly get account fixed so payment amount would be correct and consistent. In XX/XX/XXXX I sent them a {$10000.00} check that was documented in my account before I sent check as to how to apply funds and also hand written on escrow shortage payment slip to pay shortage and apply the extra to principal. They used money to pay my regular payment due ( which I was sending separately and advised before money sent ) and the rest was not put toward escrow shortage or principal. So since then they have gone back and forth trying to fix this but it has only got more confusing no one there can explain, audit or resolve this besides sending a note in account to another department ( that department is who made the mistake originally not applying funds correctly ) and they have no other contact person in that department to speak to so they send it, the department screws it up more, I call again and now my next payment due is showing {$2400.00} ( are you kidding!!! I just sent them {$10000.00} ) instead of {$1200.00} ( last amount quoted that would be payment for the rest of the year. They do n't have an accounting, audit or corporate contact number for me to try to get resolved and the customer resolution department ca n't fix because they send it to cashier Dept no one can speak to. Please help me get my money applied to account corrected and any fees/interest charged by misappropriation of funds credited so I can make my monthly payment and not have amount switch monthly not able to pay if they keep switching after quoting me amount they say for sure will be the next payment due for the rest of the year. It is n't the same and has yet to be amount due on next bill so when I 'm told for sure, I tell them I highly doubt it because for sure has not happened and I even told agent on phone that it keeps switching they say do n't worry they fixed and are right. I do n't know if I need a lawyer or who to hire to get straightened out, please get me help from a real auditor that has knowledge and power to physically be in the phone and change/fix my account at the same time without sending to another incompetent department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are making Temporary Lifts of Credit Freeze difficult. Disabled online process ever since the Law forced them to make available to consumers.

Experian now asking all requests by mail only by providing all information required for someone to steal my identity. such as Name, Address, Social Security Number, Bank Statement, Utility Bills and other physical copies to be mail. They also do not respond to any inquires therefore we do not know when they receive the document or when the request can be processed.

This makes consumer credits hostages unless we pay for their Credit Lock service for a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the Equifax data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX, XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name And Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

American Express Serve Card- 45 transactions were made over night between XX/XX/2018. Woke up to a negative balance alert on my phone, shocked because I had just got my direct deposit the XX/XX/XXXX, i quickly contacted the bank and because some of the transactions were still on hold. Outrageous amount were charged, XXXX , {$60.00}, XXXX , etc .... amounting to a total of XXXX . My transaction alerts didnt even work or alert me. I sent in the declaration of fraud right then and then and am still at it, since XXXX. I have again began the dispute and still am getting broken links to upload the documents, even have faxed the paperwork various times to the numbers provided. Also filed a identity theft report and sent it to them too along with copies of emails with the merchant, who also acknowledge that the account that was used to purchase the gold coin packages for that establishment was indeed made with a false name and email. To this date I continue to get the runaraound.
Product: Checking or savings account

Opened a 10 month CD with Marcus by Goldman Sachs back on XXXX of XXXX In XXXX I received a notice from the bank saying they did not have my Signature card on file for 1099 purposes. So I send one in and spoke with a XXXX to avoid a federal witholding on my account. However, it was too late. They took out {$220.00} from my account .Nonetheless, I asked XXXX if we were all set with the signature cards on the account. She advised that she would take my wife 's signature card from the savings and put it on the CD. I confirmed if I was all set. She advised I was. Fast forward to XXXX of XXXX I was told to sent over a signature card for my wife. Long story short, I sent in four, Beginning on XX/XX/XXXX to XX/XX/XXXX. I called back on XX/XX/XXXX, XXXX, XXXX, and XXXX. They advised they never received. I was advised without the signature card I would not have any FDIC insurance on the CD. All the SIgnature cards were sent to Goldman Sachs Bank USA, XXXX XXXX XXXX, XXXX XXXX IL XXXX. So I was so upset, I advised them one was sent in. I was told I would not have FDIC insurance on the account. The took the money out on XX/XX/XXXX, XXXX, THEY CHARDED ME A {$2300.00} EARLY WITHDRAWL PENALTY. I was told wrong info the whold time, I want my {$2300.00} BACK.