23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have tried in vain for months to contact someone in person and by phone at Truist ( BB & T ) as well as the law firm they hired for collections regarding our account. We received a collections notice dated XX/XX/XXXX. After repeated attempts of not being able to speak with anyone or have a call returned, we are filing this complaint with the hopes of getting some answers regarding our home equity line. Weve been trying since XX/XX/XXXX to initiate a short sale process with XXXX  XXXX XXXX, who holds the first mortgage on our home. We put the home on the market for sale in XX/XX/XXXX but had no buyer interest due to deferred maintenance and possible structural damage to the house. Weve gone through months of paperwork and, in XX/XX/XXXX, XXXX  XXXX XXXX finally offered a loan modification and a lower monthly payment, which we could still not afford due to a job layoff in XX/XX/XXXX. Weve since had two contracts to purchase the home, both well under the listing price, but the buyers backed out because the process dragged on too long. We couldnt get any response from Truist ( BB & T ) regarding the release of the second lien and received conflicting information about whom was to make the request ( us/our agent or the bank ) related to the short sale. We now have a third contract and are working through the short sale process with XXXX  XXXX XXXX, although the loan was apparently service released to another mortgage company without us knowing ( we were told a letter was sent but we never received one ). We would like to ensure that Truist ( BB & T ) is part of the short sale process to see if we can get some of the debt repaid during the short sale settlement. We understand that the coronavirus pandemic has complicated matters but wed like to try to honor our commitment to pay back what we can. It's impossible to get hold of someone knowledgeable who can help answer our questions so please provide us with contact information and answers to our questions.
Product: Bank account or service

I want to open a business checking with Chase ( JPMorgan Chase ). I have been to XXXX different branch of Chase Bank XXXX, Texas, XXXX off to XXXX, also XXXX off XXXX, both time i have got contradicted information. XXXX time i went to XXXX branch around XXXX on XXXX i was told we need an appointment to speak with a business banker and that is a Chase policy now for opening a business checking account, and business banker was a lunch so i was not able to get help. So, went to the branch on XXXX got some help and spoke with business banker without an appointment unlike the bank on XXXX ( a requirement of the bank ), but was missing critical document so I had to go back no problem, since I did not have correct documents, Then on XXXX, went on branch at XXXX and beltline with all required documents around XXXX, and checked in for a business banker ( also asked the lady that was checking me in and asked a business banker would help me open an account and she stated yes ) but when my name was called a different lady called my name at XXXX or so and found at that same business banker at XXXX went on lunch at XXXX ( that someone went on lunch at XXXX on XXXX ). I waited for XXXX minutes to get help with business banker and once my name was called they found out that a business banker was at lunch at XXXX when a bank closes at XXXX, was told even if she comes back at XXXX that she wont be able to open the account for the business since the bank closes at XXXX and it take longer to open a business account ( I would of waited to open an checking account if i was told i would receive help when that banker came back around XXXX ). I have XXXX questions, why did i wait XXXX minutes for someone to realize that banker was going for day or at lunch, and if that same banker takes lunch at XXXX on Friday and that same banker takes lunch at XXXX on Monday and that branch only has XXXX business banker as per manager on duty, How is that helpful to customer that Chase employees have no policy when a customer need help on it banking issues. And Why was i was refused services when a bank closes at XXXX and that banker was coming back on XXXX? and I am a customer ( personal checking account # XXXX ) at the bank last XXXX digit of the account # XXXX. ( XXXX ) thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX are reporting XXXX XXXX XXXX Balance {$13000.00} and also reporting XXXX XXXX XXXX Balance {$38000.00} I've disputed these items in the past as fraudulent accounts and the items was deleted they are now reflecting back on my credit reoport.And I've sent letters and FTC reports regarding this matter and they are still reporting these fraudulent accounts on my credit report!! These items are not reporting on Transunion and per the law all credit reports are supposed to be accurate and the same all across the board! this is hindering my true credit and I want these items removed!
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. 
Account name : # XXXX XXXX Account name ( XXXX XXXX XXXX : # XXXX XXXX XXXX account ( XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) number XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX  ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection bureau of a 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

Right now, I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request EXPERIAN the method of verification for disputes in accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

( XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1000.00} XXXX XXXX  XXXX XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX {$710.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX {$1000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX {$1100.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$830.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MXXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX several times have disputed this item. This account is over 7years old. Each time disputed it just has been updated with same info {$7000.00} Santander
Product: Credit reporting, credit repair services, or other personal consumer reports

On Experian there are inquires and or accounts listed NOT MINE I have tried to get help and they claim it is up XXXX me to call each creditor I filed XXXX report and sent it in but those items are still on my report when i call Experian they ask me to send the information again and the portal wont accept my information and my report is not updated when XXXX sent the XXXX  letter they would no accept it without a signature, i asked if they would call the creditor to verify the letter and they would not. 

I contacted the creditors and got updated letters with signatures.
Product: Credit card

XX/XX/XXXX, Citi contacted me about suspicious activity on my card. There were 9 or 10 charges, totalling over {$3300.00}, on a card that I may use twice a year.I disputed all of them by phone and followed up with a letter on XX/XX/XXXX, listing the charges and stating they were fraudulent. Citi canceled my card, removed the charges until they could investigate and issued a new card.The end of XXXX, they sent me a letter indicating their investigation showed that {$250.00} was legitimate and I was billed for it. On XX/XX/XXXX, I sent them a letter disagreeing with their decision.As I told them, I am going to be XXXX this year, widowed, don't travel and this charge represented a hotel stay in Florida, I live in NH. Further, it is not logical that I would jeopardize a near perfect lifetime XXXX XXXX for {$250.00}. I don't believe Citi did anything other than check with the charging company who showed they had my name and address. The phone number from which the charge was made, is not my phone number, made from an " I '' phone which I have never owned, from an IP address that is not mine. A bill was sent out to me showing a balance of {$250.00}. I have so far not received any response to my last letter to them.
Product: Checking or savings account

* XX/XX/XXXX - I started the process of rolling over my deceased wifes IRA to my IRA by sending forms to Synchrony Bank. 
* XX/XX/XXXX - I received a request that I send the Certificate Of Trust Existance, SS-4 Letter and W-9 Forms which I did via Banks electronic process which I did. 
* XX/XX/XXXX - I received a message indicating that they were received. 
* XX/XX/XXXX I called to check on the lack of progress and was told that someone would call me. 
* XX/XX/XXXX I called again asking for a status update since I had not received a call from the XX/XX/XXXX request for a status update. 
* XX/XX/XXXX - Since I did not received a call I used the Banks online message process to request a status update and received a reply saying I would receive a call in 24 to 48 hours. 
* XX/XX/XXXX - Since I did not receive a call I called again and spoke with someone in the IRA department. They tried contacting someone in the Trust department without success, but put in a request for the trust department to contact me on my mobile #. I also used the Banks online process to send another message requesting a status update. 
* XX/XX/XXXX - Since I did not receive a call or online response I called again and spoke with someone who was going to put me through to the IRA department but no one picked up the call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX RE : Trafficking Block Request To Whom it May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX 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 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 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 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 Employers XXXX XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX Accounts Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX Account name XXXX. XXXX, XXXX Account number XXXX Original XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX  Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures Proof of identity Trafficking documentation
Product: Money transfer, virtual currency, or money service

I received a phone call XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX from someone claiming to be a representative of PNC. They alerted me that my account had been compromised and that action needed to be taken immediately. They asked me to confirm my address, phone number, a recent purchase and my login credentials. Then informed me that my money might be moved or frozen temporarily until my account is back secure and that it may take 30 days. XXXX dollars was removed from my account. After 30 days my money did not return, so called PNC and informed them that I believed Ive been a victim of a fraud and a scam. The perpetrators posing as a PNC representative tricked me into getting my information logged into my account and XXXX themselves my money. I reportedly the incident but PNC concluded there was nothing they could do.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized 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 These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX : {$0.00} XXXX XXXX XXXX  : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I am requesting that student loans to be removed from my credit report. I am not responsible for the student loans.The responsible party for the student loans is my daughter XXXX XXXX. The loans are generating from the XXXX XXXX XXXX and XXXX. I have communicated with the XXXX XXXX XXXX regarding the loans and I have noticed the loans are still on my credit report.The XXXX XXXX XXXX have reassured me that the student loans would be removed from my credit report several times.I do not owe student loans I am not the responsible party. This situation has impacted my lifestyle, and my credit. Although, the accounts are closed they have hindered my growth with my credit and possibly purchasing a home in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

My   XXXX   student loans acct under  XXXX   XXXX , account #  XXXX , is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH my credit reports & credit scores have suffered due to this falsely reported data.      XXXX  refuses to correct the incorrect data supplied to all  XXXX  credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate amendment of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX while visiting XXXX XXXX I lost my debit card. I checked my account and found multiple unauthorized transactions from XXXX for a total of {$600.00}. I immediately called Chase and reported the card stolen and filed a fraudulent charges claim. After about ten days they issued me a credit for the {$600.00}, but then reversed it and took the money back.
Product: Credit reporting or other personal consumer reports

XXXX of 2023 I sent XXXX to clean up credit never happen then company took XXXX buck I called to cancel service didn't happen so I changed banking info and wasn't reimbursed
Product: Money transfer, virtual currency, or money service

I am writing to express my my concerns regarding Zelles handling, a dispute, particularly in the light of recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible, and the tracking these transactions was unfeasible the CFPBs findings indicate that Zelle has not only neglected to protect consumers, but also allow receipt offenders to exploit the system.
Product: Money transfer, virtual currency, or money service

I received a notice that SYNCB/PPC also known as Synchrony Bank, had closed my paypal account between XX/XX/XXXX and XX/XX/XXXX. It showed up as something that may lower my credit score. I have never given Paypal or Synchrony Bank permission to run my credit or do anything with my account. 

I was not contacted by them to be told of the changes. I do not want to have my credit negatively impacted by a company that had no permission to do anything with my credit. I have previously had problems with someone trying to take funds out of my paypal account in XXXX, and have not used it since due to this reason. 

I called the company on XX/XX/XXXX to have them run a dispute on the changes.
Product: Debt collection

I have attempted to dispute. I do not owe any phone bills. This false account with this company is from a security breach. I dispute that this account is valid.
Product: Credit reporting or other personal consumer reports

Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.