23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have mortgage with Suntrust. 
I bank with XXXX XXXX XXXX for my business. 
I deposited a insurance check in XXXX for business. XXXX put a 13 day hold on my funds. 
I make arrangements with Suntrust for my XXXX payment. Arrangements for XX/XX/XXXX. 
XXXX held funds from XX/XX/XXXX till XX/XX/XXXX. 
I went in to XXXX on the XXXX th and told them insurance company said check had cleared why is it a hold. XXXX released funds and I paid Suntrust on the XXXX of XXXX. For my XXXX payment. Suntrust contacted me on the XXXX of XXXX. Saying they needed payment for XXXX again and XXXX. I stated I paid already. Suntrust stated they held payment till XXXX of XXXX. Mailed it back and wouldn't acept my payment. I just recieved it in mail on the XXXX. XXXX cant pay it again now they say they want XXXX also. This is second time they have messed up my credit by prolonging my payments trying to force foreclosure. I wasn't late for a year so I can refinance. But they do this to keep me at high interest rate. 
Suntrust did this to me in 2016 also and XXXX XXXX  resolved for me without legal action. 
I been in my house 13 years and value is up. They trying to force a foreclosure. I have deposit slip and payment info and copy of the check they sent back after holding for almost a month. Im disable and cant play these games with Suntrust. The have not let me refinance or access equity in 13 year. Wouldn't let me fill out application or even try.
Product: Mortgage

We filed a complaint with CFPB on XX/XX/year>, and we received a Dispute Resolution Letter from SPS on XX/XX/year>. SPS was aware that my tax account was due, but still failed to pay the property tax to date. Now my property tax account due {$15000.00} including tax base and penalty. Im at risk of a tax sale soon and at a loss.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts first delinquency date is XX/XX/XXXX. 
Account was to be removed on XX/XX/XXXX according to Experian report as well as the customer service representative I spoke with in XX/XX/XXXX. Now account removal date has been removed the date of first delinquency is still listed as XX/XX/XXXX but the historical column show date of first delinquency as XX/XX/XXXX. Wen I called Experian back on XX/XX/XXXX to inquire about this and request the account be removed in accordance with the reporting rules and the statement of the Experian representative in XXXX, the representative said that the account will now be removed in XXXX of XXXX because the first date of delinquency is XXXX of XXXX which is factually incorrect. The date of first delinquency clearly is and is listed listed as XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX Account with XXXX, it was closed because I missed a payment. I haven't been able to get in contact with anyone to explain to me why I can not pay this account. I don't want to use it I just don't want it reporting to all three credit bureaus as delinquent when I am trying to pay it! I have never heard of a company not allowing for you to pay an account that's overdue. Is it because the money that funds the account is actually my money and if I pay it they will not be able to steal {$860.00} dollars from me? This has to be illegal and I demand an explanation. I am also going to file a complaint with the CFPB and the FTC for a violation of my consumer rights.
Product: Credit card or prepaid card

I spoke with the company on 6 occasions regarding this ongoing issue. There are 4 payments that I made to credit account, but they were never applied, applied and reversed. 

After speaking with representatives, they requested proof from my bank that the payments were made. I provided proof in the form of the electronic transfer records provided by my bank. 

I spoke with multiple managers, and have multiple cases open, and each one was closed without explanation. 

I emailed corporate executives and received no response. 

These missing payments have caused my account to go beyond the promotional 0 % APR period for my purchase and its accruing significant interest. I continue to make payments on the account to avoid fees and negative credit reporting.
Product: Checking or savings account

Without the banking institutions cooperation I can not accurately provide dates or amounts, however I can say that with confidence my identity has been stolen.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act Oportun has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 or other personal consumer reports

My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

Company Name : XXXX - Account # : XXXX - Balance : {$460.00} Company Name : XXXX - Account XXXX : XXXX - Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the inaccurate reporting of account XXXX on my credit reports, which is in clear violation of the Fair Credit Reporting Act ( FCRA ). 

It has come to my attention that both TransUnion and XXXX are reporting conflicting information regarding the " date last active '' for this account. TransUnion is reporting the date last active as XXXX, while XXXX is reporting it as XXXX. This discrepancy not only undermines the credibility of the information but also violates my consumer right to have a fair and accurate credit report. 

Furthermore, I must highlight that XXXX has already deleted this account from my credit report due to my information being compromised in the XXXX data breach and the account not being verified. Therefore, the inclusion of this account by TransUnion and XXXX is entirely unjustified and constitutes false reporting. 

Additionally, I would like to emphasize that this account is uncollectible under the statute of limitations, which is 4 years in the state of Texas. As such, its continued presence on my credit report is not only erroneous but also damaging to my creditworthiness and financial reputation. 

I have previously requested your method of verification, and you have failed to comply with this request, thereby further violating the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Should you persist in your non-compliance and failure to rectify this situation promptly, please be advised that I am prepared to take legal action to seek relief and monetary damages under FCRA Sections 616 and 617. I am diligently documenting all communications and actions taken in this matter for this purpose. 

I hereby demand the immediate removal of account XXXX from my credit reports maintained by TransUnion and XXXX. I expect confirmation of this action within 7-10 days.
Product: Credit card or prepaid card

Note : All dates referenced below are this year, XXXX. 

My federal tax return, in the amount of {$3100.00} was direct-deposited into my American Express Serve account on XX/XX/XXXX. That day I received an email from the company notifying me of this and that those funds were immediately available to me. However the company sent another email shortly after the first email stating that because of " unusual activity '' my account was under review. I called their customer service number as the email instructed in order to " authenticate '' and was told that the account indeed was under review and it would take 2-3 business days to resolve. I then learned that not only was the card not usable during this period but that I had been locked out of my account and could not see transaction activity. Here I should add that direct deposit of tax returns was a service that was heavily marketed to me by AMEX. 

Since that initial call to their customer service I have made several follow up calls and each time have been given new, different or contradictory information. Specifically, the review period moved from 2-3 business days to 3-5 business days during my first follow up call later in the day on XX/XX/XXXX. 

On XX/XX/XXXX, on another call I was told that my account was " permanently suspended '' because I " violated '' the company 's user agreement and that I should expect a check from the company in 7-10 business days. The company representative would not tell what the violation was instead referring me to the company web site where I could read the user agreement. I dutifully scrolled through the thousands of words in that user agreement and could not identify anything that I had violated. I was baffled, but at least now my check was " in the mail ''. 

On XX/XX/XXXX, I received an email from the company informing me that my California state tax refund direct-deposit in the amount of {$1000.00}. was rejected by the company and those funds had been returned to the California State Franchise Board ( as of the writing of this complaint the state had not received those funds ). 

On XX/XX/XXXX, I received a duplicate of the company 's email of XX/XX/XXXX, informing me that my account was under review. I had not yet received the promised check. I called the company 's customer service on the XXXX and this time was told that my account in fact was not permanently suspended but was still under review, and more specifically that I had not violated the user agreement and that the direct deposit of my federal tax refund was the " unusual activity '' subject of the review. It stretches credulity that it would take this long to verify a payment from the United States Treasury. 

In 43 days I will turn XXXX years old. I'm on a fixed income. This refund money, my money, is not only a significant amount to me, much of it is earmarked for essential expeditures. This has become much more than an inconvience, it is a true hardship. 

It's possible that my case is an anomaly but I suspect that I am not alone and the issue is an AMEX systemic issue.
Product: Payday loan, title loan, personal loan, or advance loan

My cash advance of XXXX was due on XX/XX/XXXX was paid early on XX/XX/XXXX via debit card and approved by my bank on XXXX The app suddenly told me I was over 153 days late and needed to pay immediately. 

On XXXX XXXX  withdrew another XXXX XXXX as well as told me that I still owed them money via app and email. 

I opened a ticket but they send me texts and messages insisting I owe them funds despite having paid them twice, one early on XXXX  and once when they removed funds from my account on XX/XX/XXXX
Product: Checking or savings account

I only been with pnc bank for a little over month. And in that month they have susppend my debit card 3 times without giving any warning nor explaintion s to why. I just will up one day tried to use it and it came back wrong information I called almost everyday and everyone would tell me so many different things out put my in hold for 30 min to 11/2 hrs. Finally after going back and forth and staying on the phone I was told who to call to find out about the whole. I finally talked to MsXXXX XXXX she's the antiluis for pnc. She verified my info and told pnc to left hold all hold were lifted. I went on starting paying money to online service a couple times I used it at atm. To get cash for money orders and things. Well 3 days later it was cut off again but this time they say they closed my card completely. I still don't know why they did it nothing changed I shop mostly online I pretty much do everything online because I don't leave house. Me I don't really see where they had any reason to do this. Now I'm having problem getting them to link my other account.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed an account that was not reporting accurately.

I had two late payments on an account that I was in fact paid on time, the consumer reporting agencies need to report all information with complete accuracy. 
This account has not been late on payments I've attached a copy of my report to this complaint on the following dates, name and account number. 

XXXX XXXX XXXX XXXXXXXX XX/XX/year> and XX/XX/year> I'm now requesting to investigate this account and update these payments to be paid on time immediately. 
Thank you for your understanding and prompt action.
Product: Credit card

These accounts represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The accounts are : CITIZENS BANK XXXX and CITIZENS BANK XXXX
Product: Debt collection

I asked to close my XXXX acct when I move out to other rent house on XX/XX/XXXX. 
But they didn't close acct and took out money from my checking acct almost 1 year. 
When I found this I asked XXXX again close acct. and send my money back they took from my acct with their mistake XXXX. But they send me very very complicate form including police report, birth certificate, statement, proof ... .etc.to get out of their mistake. 
I gave up my money back and forgot about this incident. 
Now I found they put me in collection company from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have sent multiple letters dating back to XX/XX/2021, and XX/XX/2021. I have yet to receive a response about my investigation in a timely manner. I have recently sent another letter regarding this manner on XX/XX/2021 and had this sent via certified mail from the Unites States Postal Service requesting changes to be made to my credit profile because they failed to respond to me at all. I feel as if i my request werent taken seriously and i was ignored. Ultimately i want the inaccurate information that is reporting to my credit profile removed. I have made several attempts to resolve this matter. Equifax needs to be held accountable for neglecting my request by not responding to them at all. My credit profile affects my life in the real world, and is causing me difficulties closing on a home.
Product: Money transfer, virtual currency, or money service

{$200.00} USD was send to another account to receive a package an the package is yet to receive, by doing some checks I got to realize it's a scam so I reach out to the bank of America to recover my money for me. The money was sent to the account on the XXXX of XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance was paid in full for XXXX XXXX still shows on my report a balance of XXXX I HAVE DISPUTED THIS ON MY CREDIT REPORT and they still refuse to update accuracy on All 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # 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: Bank account or service

I think that Suntrust opened and closed accounts in my name that I was unaware of, then charged me overdraft fees for those accounts. I think this took place in the XXXX - XXXX time period.
Product: Credit reporting or other personal consumer reports

XXXX has place 3 collection accounts on my report without my permission. The accounts in question from XXXX XXXX XXXX have not been verified. I have not received any information from XXXX XXXX that I have requested to verify the loan. They only sent me their statement. Once I received the statement, I told them that they did not verify the account as I asked for the following. 
1 ) The name and address of the original creditor.

2 ) The amount of the alleged debt.

3 ) An itemized statement of the alleged debt.

4 ) Purchase agreement of the debt.

5 ) Insurance Claim of the debt.

6 ) The XXXX with the original creditor. 
7 ) Proof that you are authorized to collect this debt on behalf of the current creditor.

8 ) Verification that this debt is within the statute of limitations.

I have not received anything after 4 months as they can't provide any information. They then placed the records on my credit report which have not been verified and show a past due amount, the date is wrong and the account shows open, which is a violation of my rights.
Product: Checking or savings account

In late XXXX, State Farm XXXX XXXX transferred my and my husband 's joint CD, as well as each of our individual Traditional IRA CDs to US Bank. Prior to this transfer, we received quarterly communications from State Farm and had a local person to speak with about issues. After the transfer, US Bank sent us virtually no communication on balances, renewal dates, or interest rates. There is no branch within XXXX miles of my home, so we could not visit them in person for this information. The only thing that we saw regularly ( annually ) was our IRA required minimum distributions. When I finally had my daughter help me gain online access to these US Bank accounts ( I'm XXXX XXXX XXXX and not computer literate ), I saw that my IRA CD had been renewed in XXXX at a 0.05 % interest rate with no communication of that renewal whatsoever. 

My husband has been in a XXXXXXXX XXXX since XX/XX/XXXX, and I have very limited financial resources given the bills I am paying for his care. My IRA, valued at approximately {$36000.00}, is one of the few assets I still have. However, given the paltry interest rate I was receiving from US Bank, I transferred the IRA to a financial institution closer to home so that I could better manage it and get a better interest rate. I was appalled to see that when the transfer occurred, the balance was reduced by over 3 %. I called US Bank twice to understand why. The first time, XX/XX/XXXX, I was not given much information other than that it was a fee they charged for transfers outside of the renewal period. I asked to speak with a manager. He - XXXX XXXX- was not available but I was promised he would call me back within 24 hours. I still had not received a return call as of today, XX/XX/XXXX, so I called US Bank again. All I was told is that the 3 % fee is not able to be waived and that they would log feedback for XXXX XXXX since he did not call me back. I can understand losing a few months interest, but losing 3 % of the entire balance with zero communication from US Bank about their fee / penalty structure is outrageous. For an older person with limited means, it's robbery with no warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the erm " consumer report : does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Debt collection

I am submitting this compliant against Spring Oak for the federal violated they have committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX  # XXXX -XXXX XXXX XXXXXXXX # XXXX
Product: Debt collection

I received my first notice today, XX/XX/XXXX and received a mysterious invoice requesting a wire transfer to XXXX XXXX for the amount of {$25000.00}. This invoice was sent by Sequoia Financial Services with address : XXXX XXXX XXXX XXXX XXXX, and located in XXXX XXXX California. This invoice included a Client : XXXX XXXX XXXX XXXX XXXX, Date of Loss : XX/XX/XXXX, File No. : XXXX, and XXXX XXXX : {$250000.00}. Additionally, this invoice indicated that this was the " Third notice '' that I have received of this " debt owed '', when it is the first time I have ever received a notice from this company. Upon further reading, the invoice letter stated that I have ( 20 ) days to pay this debt. The letter was signed by a XXXX XXXX, Account representative with phone extension XXXX. At the bottom of the letter, there are 2 options to pay via XXXX XXXX or by directly writing in a valid credit card account number with expiration date, and a signature line. Sequoia Financial Services is not XXXX XXXX Accredited and have had 16 complaints filed against them within the past 3 years. I am reporting this now because other users have claimed that their credit was affected by this scam company, as they fraudulently reported false debt owed to XXXX and XXXX and I want to be proactive with this to ensure my credit is protected from false negative marks by Sequoia FInancial Services. 

Additional information. I was previously contacted by a credible debt collector for XXXX XXXX involving a collision I was involved in and have since been placed on a payment plan to resolve this debt, of which, did not total to {$25000.00} in damages. Thus, this letter strikes me as fraud because the debt to XXXX XXXX  is already being accounted for and consolidated on a monthly basis.