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

I deposited two Cashier 's Checks in my accounts. The bank ( Truist Bank ), closed the accounts, yet, continues to withdraw funds from the accounts for it's sole purpose. 

Enclosed. Letter sent to the bank Dear XXXX XXXX, As you will recall on XX/XX/2022 ; you, XXXX  ( Operations Manager ), XXXX XXXX, and I met in your office to discuss me getting my money out of Truist Bank. Until this day, no one gave me an explanation why, I cant have access to my account, and yet, the bank continues to deny me access to my accounts. 

On or about XX/XX/XXXX, before meeting with you, I met with XXXX  who informed me that my money would be released within 24 to 48 hours, all to no avail. 

Around XX/XX/2022, I received a letter from the bank telling me that Truist has made the decision to close the account referenced above. From XX/XX/XXXX, until about XX/XX/XXXX, the bank refused to talk with me about my account. Instead, each time I called, about 43 times, the bank fed me deceptive lies and confusions. 

For unknown reason ( s ) the bank continues to block me from accessing my money, yet the bank continues to access my accounts, transferred, debited my accounts, and use the funds for its sole purpose. Then, the banks behavior and activities, at best is fraudulent and unethical? 

The bank continues to make unreasonable demands of me, and the sources, I received the Cashiers Checks from. The bank Cashiers Checks were cleared. 

On XX/XX/2022, XXXX XXXX met the banks demands. He emailed the requested documents to you, however, until now, I have not heard about the release of my money. 

If I do not hear from you by XX/XX/2022, XXXX file complaints with the various banking authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX and XXXX  Account # 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a third party or a company, I am a victim of identity theft please attached Driver License and my passport, my social security card I lost a few years back.
Product: Credit reporting or other personal consumer reports

Complaint to CFPB Regarding XXXX Failure to Properly Investigate Disputes To Whom It May Concern, I am filing this complaint against XXXX for its failure to properly investigate disputes regarding inaccuracies in my credit report. Despite my multiple submissions of disputes, including supporting documentation, XXXX consistently responds within 24 hours, claiming that the disputed accounts are accurate without providing any evidence of a thorough investigation. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputes submitted by consumers. The rapid response timeframe, coupled with the lack of detailed findings or supporting evidence, demonstrates that XXXX is not conducting a substantive or meaningful review of the disputes. 

Furthermore, XXXX actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair, deceptive, or abusive practices. The CFPBs recent administrative proceedings have highlighted the importance of adhering to the requirements set forth under these consumer protection laws. 

The following accounts are at issue in my disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] I am requesting the CFPBs assistance to : 1. Ensure XXXX reinvestigates these disputes in compliance with the FCRA and XXXX. 
2. Hold XXXX accountable for failing to perform reasonable investigations and for any potential violations of federal law. 
3. Require XXXX to provide detailed findings of its investigations and make the necessary corrections to my credit report. 

XXXX failure to comply with these legal obligations has caused me unnecessary stress and potential harm to my credit standing. I request your prompt attention to this matter to protect my rights as a consumer. 

Thank you for addressing this issue.
Product: Debt collection

I am confused as to why XXXX has already removed the late dates and updated the negative status of these accounts to a positive one from their records, while your bureau has not followed suit. The creditors have already agreed to remove the late dates as they are inaccurate, erroneous, incomplete, or unverifiable. I was the victim of identity theft, and it is not clear why your bureau is not complying with the law. The other bureaus have followed suit, and it is frustrating that your bureau is lagging behind. I demand that you take immediate action and update these accounts in my credit report. The error has already been found, and I expect that you will follow the same course of action as XXXX and update my file accordingly. The questionable accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please note that I am extremely annoyed and frustrated by this issue, and I have capitalized some sentences to express my dissatisfaction. I expect that you will take immediate action to resolve this matter.
Product: Student loan

XXXX XXXX XXXX Complaint # XXXX Response Date XX/XX/18 Issue is that I was charge a high fee of over {$14000.00} I call them and told them I disputed the high fee for deferred payment I had. 
They act I cant dispute the amount. I want the loan put on hold until the documents and a clear understanding is to the loan. 
XXXX XXXX XXXX did not resolve my issue with my complaint and when talking to them you get pass around from one person to another.
Product: Bank account or service

On XXXX/XXXX/17 at approximately XXXX I attempted to deposit {$1200.00} in cash at a Chase ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. I performed XXXX separate transactions, the ATM dispensed a receipt that stated " The ATM has experienced a technical problem '' to confirm your deposit was completed properly, contact a Chase representative. I called the bank, representative initiated a claim and said I should have an answer within 12 hours. The following day I received an email from Chase that my account had been credited. I logged into my account and did not see that funds had been credited to my account. I called and was told they were still investigating, and would notify me in 3 business days. I explained I needed access to the funds but was told I had to wait until they completed the investigation. I asked to speak to a supervisor and was transferred to XXXX in the Claims Escalation Dept. XXXX provided the same response. I explained to XXXX that I was entitled to full use of the funds during the investigation. XXXX stated I was not entitled to full use of the funds, I told him Chase was required to provide me with access to the funds. I reminded him of the Electronic Fund Transfer Act and informed him Chase could be liable for penalties for not complying with The Electronic Funds Transfer Act. XXXX again said they were not required to provide me with access to the funds I attempted to deposit. He said it was up to Chase if they wanted to provide credit as a courtesy and they would respond to me within 3 days. I visited the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA and spoke to XXXX XXXX, XXXX XXXX was sympathetic to my concerns and immediately made some calls. The person he was speaking to told him they have had technical issues for the entire month of XXXX and because it was a technical issue they were not required to credit my account until the investigation was complete. I then asked her if all the other customers who have had this problem in XXXX had n't been credited as well. She said they did not receive access to the funds until the investigation was completed. XXXX XXXX asked her how many ATM Machines had experienced this problem and she said she could not say. XXXX XXXX contacted the banking office where I performed the transaction, they mentioned they had not received an email from the claims dept in reference to my claim. XXXX XXXX asked the branch to dispatch the service company to check the ATM. He gave me his card and offered to waive any fees if I was charged.
Product: Debt collection

ENHANCED RECOVERY PUT A COLLECTION ON MY CREDIT THAT I DO N'T OWE. THEY NEVER SENT ME A NOTICE STATING THAT THEY ARE PUTTING ANYTHING ON MY CREDIT. I CONTACTED AT T AND THEY CONFIRMED THAT I DO N'T OWE THEM FOR THE ERRONEOUS ACCOUNT. I DISPUTED THE ACCOUNT AND THEY CONTINUE TO REPORT IT ON MY CREDIT
Product: Credit reporting or other personal consumer reports

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Product: Mortgage

PennyMac is Dual Tracking. Client is in review for a loan modification and a 30day condition letter was sent on XXXX by underwriter XXXX XXXX in the Texas office. Sale date is XXXX. Deadline for docs to be sent in per the letter Pennymac sent is XXXX. 
How can they foreclosure if the file is in review for modification? 
They are dual tracking. 
They are also discrimination based on language, ethnicity, race, marital status. 
We will take legal action if the sale date is not postponed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint has never been addressed by XXXX XXXX. The complaint is specifically addressing ONLY the reported missed monthly payments of {$1900.00} for the months of XXXX 2019 as reported to XXXX and Experian. The furnisher/ XXXX XXXX continues to report to XXXX  and Experian XXXX missed monthly payments of {$1900.00} for the period of XXXX 2019. This continues to be an erroneous report by XXXX. XXXX, a year after the note has been satisfied. 

XXXX. XXXX and/or representing XXXX. XXXX Attorneys or XXXX  XXXX  never provided notice, a request or filed any motion mandating monthly payments of {$1900.00} to my Attorney XXXX XXXX or to Judge XXXX of XXXX XXXX, Florida. There was no filed motion requesting monthly payments of {$1900.00} for 2019. Nor was any statement for 2019 received, submitted or demanded a monthly payment was due for any month in 2019 in the amount of {$1900.00}. As reported to CRA 's. 

All documents provided by XXXX. XXXX, were examined by Attorney XXXX XXXX, XXXX, Florida, Were examined by XXXX. XXXX Attorney 's and examined by Judge XXXX of XXXX XXXX, XXXX XXXX, Florida. No such request was ever made in 2019 to make monthly payments of {$1900.00} in 2019. 

Numerous requests under FCRA 623 have been requested from Mr. XXXX and to confirm accuracy of the reported erroneous missed monthly payments of {$1900.00} for XXXX.It is the obligation of the furnisher/ XXXX XXXX to correct or remove the monthly missed payments for 2019, per FCRA. Or remove delete the tradeline of misinformation. 

623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

My request under FCRA 623 is the " accuracy of missed monthly payment of {$1900.00} for the period of XXXX 2019 '', not the validity of the debt. Two separate issues. To provide the documentation to evidence the monthly payment demand of {$1900.00} for 2019. 

This is now become willful harm, defamation and XXXX XXXX is never been able to confirm the accuracy thru any written correspondence, motion or demand of the reported missed payment for the period of XXXX 2019. Nor disclose a paper trail there was a demand for monthly payments of {$1900.00} for any month in 2019. Therefore, they are obligated by Federal FCRA guidelines to provide an " accurate history '' to a consumer 's credit bureau or delete the erroneous information from the CRA 's.
Product: Credit card or prepaid card

I had been charged and paid for Credit protection on my Verve credit card and they sent me to collections without giving me the opportunity to use my credit protection during my job loss. This is what the credit protection was for. This has caused my account to go into collections and to a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. I contacted them 3 times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 30 days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. 
XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ability Recovery Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Demand Under 15 U.S.C. 1692c Debt Collection Communication Dear Ability Recovery Services LLC, I am writing to formally demand that you immediately cease and desist from all further communication with me regarding the alleged debt referenced in your recent correspondence, as well as any future communication related to this matter. This demand is made pursuant to 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, under 15 U.S.C. 1692c ( c ), I am exercising my right to request that you cease all further contact with me regarding the above-mentioned debt. Please consider this letter as my formal written notice that I no longer wish to be contacted by your agency regarding this matter. As required by law, this letter serves as an official demand that you : 1.Cease and desist all communications with me, either directly or indirectly, regarding the debt in question.

2.Cease any further attempts to contact me by phone, mail, email, or other methods unless such contact is required by law or for the purpose of informing me of specific actions you are taking ( such as legal action, if applicable ).

3.Provide written confirmation within 30 days of receipt of this letter that all communication has been terminated in accordance with my request.

Please be advised that any further communication in violation of this request will be considered harassment under the FDCPA, and I may pursue legal remedies available to me under 15 U.S.C. 1692k for any damages caused by such violations, including statutory damages and attorneys fees.

Additionally, I request that you immediately cease any further attempts to report or escalate this matter to any credit bureaus or engage in any other action that could negatively impact my credit standing.

Please note that I am keeping a copy of this letter for my records. Should this matter not be resolved in accordance with my request, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as the state attorney generals office, and pursue any additional legal action I deem necessary.

I trust that you will take this matter seriously and comply with my request immediately. If you need to contact me regarding any legal requirements or updates about this debt, you may do so only by written correspondence at the address above. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I inisiated a transfer of .05 Bitcoin from my Coinbase vault to my Coinbase wallet. Coinbase claimed they sent validation emails to my email but never did or at least I never received them. In any case the funds in my vault are frozen saying the transaction is pending sense XX/XX/XXXX. After contacting Coinbase within a week they responded 2 months later only to close my case. Claiming they have to create a new wallet. As I sent them my verification they decided to close my case and not let me access my Bitcoin! They have not been responsive sense I opened a new case in XX/XX/XXXX. Coinbase is not allowing me to access my Bitcoin. Please help. This is fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

this company saying i signed up for services i never signed up for. the company is called XXXX  XXXX. i called XXXX  XXXX  to cancel the subscprotions and they told me if i canceled i will owe another company for the loan. I called the company that day to handle the dispute and they told me i signed a non refund contract which i didnt sign up for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an installment loan for an online college. The initial date was XX/XX/XXXX. I  tried the school for a while and was never able to schedule any exams with them. Do to the difficulty accessing the exams for class credit, I stopped using the program. I signed up for a local college and stopped making payments to the online school. This dept should be removed from my credit score in XX/XX/XXXX. The debt was closed on XX/XX/XXXX. The debt was purchased by XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX. XXXX, Tx. XXXX ; Representatives from this company call me several times a day ( I've block several of their numbers ). They have threatened me and even tried to contact relatives and the school I currently attend. They have threatened that they will block my XXXX license, send the sheriff to arrest me at my school and even at my child 's school. There is no account number for this company on my credit report and they would not tell me any number or identifying information when I requested it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Loan Type : LINE OF CREDIT Balance : {$0.00}, XXXX XXXX Loan Type : Charge Account Balance : {$0.00}, XXXX XXXX XXXXXXXX Loan Type : CHARGE ACCOUNT Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called TransUnion to get 5 items disputed off of my credit report ,4 XXXX XXXX  and 1 XXXX XXXX Co, I have mailed in dispute letters from XX/XX/XXXX to get these disputed off my credit by law!!!!! 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Co XX/XX/XXXX I did not give these Creditors Permission to pull my credit for Any reason ..... 

I have talked to these creditors and they agreed to have these deleted I called XXXX as well to get 4 items off my credit report XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX I sent dispute letters and the credit bureaus claim they never received any letters that was sent
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I settled and paid on XXXX Charged off account in the amount of {$4500.00}. I have notified the company on several occasions that are still reporting the account as a charge off last payment received XXXX/XXXX/2019 and not reporting as the stated letter of the settlement. 

I have contacted and sent proof /documentation to all three credit bureaus and they are saying that XXXX XXXX stating that the payments are reporting correctly per XXXX. 

The reporting is inaccurate as of XXXX/XXXX/2019 on all three credit bureaus.
Product: Mortgage

I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. The Trustee noted a property mortgaged by SUNTRUST MORTGAGE as " REJECT & RETURN '' and by Order of the Court, the property was returned to SUNTRUST MORTGAGE and subsequently sold. 
XXXX currently reflects SUNTRUST MORTGAGE as a " Negative Account, Closed Account '' however it continues to report the status as " Wage Earner Plan ''. XXXX reflects negative payment history entries for SUNTRUST MORTGAGE for the month of XXXX XXXX, during which I filed bankruptcy and for XXXX XXXX, the month I was discharged from bankruptcy. 
XXXX currently reflect SUNTRUST MORTGAGE as " Potentially Negative Closed ''. It continues to reflect the " Payment Status '' as " Making regular payments under XXXX. '' I have disputed the incorrect information with XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to three SUNTRUST MORTGAGE addresses, the address listed with the Bankruptcy Court and the addresses listed by XXXX and XXXX, respectively. I am seeking your assistance to resolve these inaccuracies and correct my credit reports.