23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have one business credit card ( XXXX ) through Truist for my small business, XXXX XXXX XXXX, XXXX. My business checking is also with Truist. In XX/XX/2023, a second credit card appeared on my online accounting. The balance due mirrors the balance due on my Truist XXXX credit card, but Truist is showing that the total amount owed to them is double that XXXX balance amount. For example, I owe {$100.00} on my Truist XXXX card. Online accounting shows this, but also shows a second credit card with a {$100.00} balance as well. My Truists online banking accounting says I have {$200.00} in loans/credit. Truist has been very difficult to contact. I waited 52 minutes to speak with someone on the phone and had to hang up because I had a meeting. I waited 41 minutes a second time on the phone and the Truist employee said the second credit card is simply how Truist handles their accounting. That was the only explanation given. I went to my local branch and waited 15 minutes to speak to someone. The teller said she had no idea why there was a second credit card on my account. I requested a phone call meeting with Truist today ( XX/XX/23) and although I received email confirmation about the call, no one called me. I finally left work early and met with Truist employees in person at my local branch this afternoon ( XX/XX/23 ). After they contacted costumer service, I was told Truist has a glitch in its system. Thats their word. They offered no additional insight other than I wont be charged interest for the doubled amount due, told not to worry, and encouraged to be cautious when I make payments online that I pay the correct card. I have no reassurance other than one persons word. She did not understand nor could she explain the disparity. The two credit card accounts do not match : one is in my name, one is in my businesss name and yet they have different credit limits. I have been trying to get an explanation and remedy now for 2 months. I have lost confidence in this bank. I do not suspect fraud, but should I? I definitely suspect incompetence. I suppose I will just have to watch closely that Im not hit with interest/fees for double the amount owed. I only have one business credit card, but Truists accounting shows two, with the same charge amount, and can not explain why or correct their error.
Product: Checking or savings account

Capital One Savings Account. Misled by Capital One about interest rates
Product: Money transfer, virtual currency, or money service

Step 1 : What is this complaint about? 
I sent bitcoin from XXXX to XXXX ; however it arrived it Coinbase where the company says it successfully transferred to XXXX, yet the funds are no where to be found. I believe Coinbase lost my money and have been unresponsive so far. Its been a week.
Product: Credit reporting or other personal consumer reports

It has come to my attention as of recently upon reviewing my most recent CFPB complaint ( complaint number : XXXX ) that the accounts that were requested to be removed have not been deleted from my consumer report with EXPERIAN. These accounts are inaccurate and have been yet again 'verified ' as if they are accurate. The accounts I requested to have removed were reinvestigated and returned to me as inaccurate and incomplete accounts. This is my second attempt to have EXPERIAN comply with federal law. They did not remove the unverifiable accounts which is not only a violation of the FCRA 15 USC 1681 ( a ) ( 1 ) and 15 USC 1681e ( b ) but will make EXPERIAN liable per 15 USC 1681n civil liability for willful noncompliance for sustaining the inaccurate accounts that are supposed to be removed in accordance with federal law.
Product: Mortgage

I placed my loan in forbearance from the cares act in XXXX of XXXX due to my wife and I both being placed on furlough with zero income. We were both back to full time work at the end on XXXX and we requested to come out of forbearance on XX/XX/XXXX. I made an initial payment on that day of {$1400.00} and it posted on XX/XX/XXXX, XXXX. I was told it would take 30 days to come out of forbearance and my XX/XX/XXXX my account would be current with a deferral. I continued making payments on XX/XX/XXXX of {$140000.00} and on XX/XX/XXXX of {$1400.00}. During which I started a refi on my house through a different company as I was told my account deferral would go through by XX/XX/XXXX as it would only take 30 days to update. I continued to check on my account and get it escalated as it was not being processed as promised. To date this has still not processed and is holding me up on a refi. I keep getting told it will be escalated and it will update soon but no one can tell me why its held up or when it will actually process as I continue to be put in limbo. Currently this is costing me from going to a 4 % interest rate to a 2.875 % rate which will lower payments by {$300.00} a month for me. Flagstar only keeps telling me there is nothing they can do as it is in the works and process needs to take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called the collection company and explained to them i was a victim of fraud ... The company is looking into it
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote 3 times to TransUnion to correct my credit report with is stating than I missed payments with XXXX XXXX XXXX. On XX/XX/2023 XXXX XXXX XXXX XXXX TransUnion to remove the late payments in my credit report as they were informed by XXXX in error. As of XX/XX/2023 TransUnion still did not correct the mistake, being the only XXXX XXXX to not do that. Besides they say that in XXXX they mail me a letter informing of their review on my request. I have never received anything from them. So besides showing total incompetence TransUnion is a liar.
Product: Debt collection

On behalf of XXXX, SW Credit Systems L.P is trying to collect a debt I never owed. I never signed up for this company in the past or had any affiliation with them at any point. Under the FCRA this debt should be deleted off my credit report since it was not verified. On my credit report it is saying that on XX/XX/2016, the account was opened and is now saying I owe an amount of {$240.00}.
Product: Debt collection

I received a letter in the mail on the XX/XX/2019 it is  dated XX/XX/2019 and it's in regards to a defaulted student loan or Grant overpayment held by the US department of education is from the national recovery corporation I called when we received the letter and Ispoke to a gentleman who told me I needed to make a payment now if I did not make it a payment or I felt that it was not mine that I needed to file a dispute within 75 days or they were going to take my taxes. within that week less than 7 days my federal taxes were taken within the 7 days of that time frame I did get ahold of XXXX XXXX  and XXXX   and I filed that identity theft. They inform me " XXXX  '' that this collection company that they are not a borrower they are not a legitimate company National Recoveries that they're not a legitimate company they don't have them as one. So I went to my tax accountant he told me that I needed to call or go online to you guys to get this disputed
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. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX 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: Debt collection

I have applied for a rental to a apartment complex managed by XXXX XXXX XXXX XXXX XXXX and they charged my credit card for {$300.00} for application and they did not completed nor refused my application. ( They were forced me to give them my Federal Tax documents which I refused and offered to share bank statements as needed ) in result I disputed the amount with the bank. Later they contacted me and informed me that they will return my {$200.00} if I cancel the dispute with the bank, which I did. They received their {$300.00} and returned my {$200.00} as promised but then Columbia Debt. Agency contacted me asking {$300.00} on behalf of XXXX and reported me to XXXX. I filed a dispute with the XXXX with the payment details and also I shared the related info and cc payment details/ statement with Columbia debt agency. Today I have informed by XXXX that this agency and XXXX is still seeking money from me with wrong accusations against me. Debt was paid 9-12 months ago ( as attached ) and they are refusing the proof of payments and asking to pay again. 
Thank you for your consideration. 
Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT ACCEPTANCE CORPOR CALL THEM TO SEE WHO OPEN AN AUTO LOAN IN MY NAME I REQUESTED THEY DELETE IT NO REPLIES BACK
Product: Credit reporting or other personal consumer reports

I am disputing the reinstatement of a collection on my credit report. I contacted XXXX XXXX  to request proof validating this debt, including documentation of my signature and lease information. Despite my efforts, they have not provided any supporting evidence or details. 

Without verification, I have no knowledge of the specific dates or amounts they claim I owe. This unresolved matter is inaccurate and is causing significant financial stress. The presence of this collection on my credit report is creating a financial burden and affecting my ability to manage my obligations. 

I am requesting the removal of this collection from my credit report due to the lack of verification provided by the creditor, as required by law. I ask that this matter be reviewed promptly and the account be removed to ensure the accuracy of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the attached documents because I was never late in this account.
Product: Checking or savings account

XX/XX/XXXX RE : Bank of America. Complaints ; XXXX and XXXX.

Recd, a call from XXXX XXXX, representing Bank of America. Ph # XXXX XXXX XXXX.

Extension XXXX.

I returned the call. Asked up front, ''-what needs to be done to reconcile these issues today? '' My desire, as mentioned to XXXX. XXXX was to conclude the complaints, satisfying his employer and myself ; a meeting of the minds. FYI : XXXX XXXX stated ultimately, he, he would be the decision maker. Alas! XXXX XXXX had no answers. ( Request a copy of the call. My attitude ; my desire is/was reasonable. XXXX XXXX 's response, well ... ... ... ... ....

I have no idea why XXXX. XXXX phoned me today. I consider his phone call a form of HARASSMENT. That's a reasonable appraisal, for XXXX. XXXX clearly stated multiple times that no decision would be made until Friday, XX/XX/XXXX.

I am being abused by XXXX. XXXX ; by Bank of America, as I was by branch personnel mentioned in my complaints.

Today 's date is XX/XX/XXXX. It's XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my credit file, incorrect information were found in my reports. The Experian, XXXX, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$10000.00}
Product: Mortgage

An escrow analysis was done and increased by payment to almost the double amount. When I inquired to determine the reason, my homeowner 's insurance billed amount was incorrect. 
The address for this mortgage company is XXXX XXXX XXXX, XXXX, VA XXXX The homeowner 's insurance billed amount was incorrect. The amount of XXXX has been deducted from my escrow account, paid to XXXX, from my escrow account, paid to XXXX, which had no policy for this property and refunded by same. 
and the insurance amount paid is for my other property at XXXX XXXX XXXX XXXX VA XXXX. Nationstar Mortgage has no insurable interest for the property at XXXX XXXX XXXX XXXX VA XXXX. I worked with XXXX to determine that Nationstar had accessed the business to business website and fraudulently gained the insurance amount for XXXX XXXX XXXX XXXX VA, XXXX, which was a violation of my financial privacy. Additionally, the funds they removed from my escrow account to pay a debt that was not due from me. 
I contacted Nationstar on XX/XX/2019 about this issue. through the messaging portal fro their website. I received a reply on that my inquiry had been forwarded to the insurance department for review on XX/XX/XXXX. On XX/XX/XXXX, I replied that my issue had not been addressed. The subsequent communication on XX/XX/XXXX and XX/XX/XXXX was via my personal email, XXXX. Next, on XX/XX/XXXX, I received an email stating they received my inquiry was to establish an escrow account. I replied again via email and stated my issue was still unaddressed. On XX/XX/XXXX, I received another email response again referencing my to establish an escrow account, which I never made. I replied on the same day again stating this was not my issue and my issue was STILL unaddressed. 
the increased mortgage payment, due on XX/XX/XXXX would not be paid at the current amount. I further advised that as I had not received any resolution I received no further correspondence. On XX/XX/XXXX, I contacted Mr. Cooper via their online messaging portal and advised there had been no resolve and from them, I would be seeking elsewhere. On the XX/XX/XXXX, I received 2 separate response, one to acknowledge receipt and the other to apologize for the poor customer service and that the issue will be forwarded to customer relations. On XX/XX/XXXX, I received a letter by email restating the payment of {$3800.00} to XXXX and the refund. As well, the use of the {$3800.00} as a basis for the escrow analysis. Still, no reference was made as to why they used the amount of the insurance cost for my other property or their basis or right to access this information. My response addressed this specifically in my email response today, XX/XX/XXXX. All of these events occurred in this calendar year, 2019
Product: Mortgage

XXXX XXXX  bought the previous loan company I paid a house payment XX/XX/XXXX they said they didnt get so I sent them my bank statement where it came out the put a ticket on it and said it would take a month before I would know anything which is making by me delinquent I paid XXXX payment the XXXX and they got cyberattacked that day I got a statement that doesnt credit XXXX payment and they are double charging me for my 2nd mortgage payment I need your help Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company has taken no steps in accordance with the FCRA and FTC to properly address this matter. So now I am asking you in request for your proof of authority that your agency has to furnish this information on a credit report in accordance to FCRA Regulations. You are now in willful negligence and willful noncompliance of the FCRA and violating my federally protected rights. Please make note that I am aware that consumer reporting agencies can only furnish information on a consumer report under the following conditions and no other pursuant 15 U.S. Code 1681b ( a ) ( 1 ) ( 2 ). 
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
Product: Credit reporting

On XX/XX/2016 I logged onto my XXXX account which stated on XX/XX/2016 my Equifax report had been updated and I had XXXX changes to my report everything had been removed from my file besides XXXX address and XXXX collections account. Thinking it was maybe just an error I call Equifax on XX/XX/2016 and spoke with a young lady whom was very sweet, I told her I was calling to check on my file due to receiving some info from XXXX she attempted to verify my account, but then stated I would need to send in my dl because I basically did not have a file, I asked her why and also stated to her that I even had an open dispute, she asked could she place me on hold so she could ask with he superior, I told her sure, I was on hold about 5 minutes then she told me she have my info now. She was as helpful as she could be. I received another notification basically stating all my info had been added back to my credit file, which I 'm OK with that, but however when everything was added back it made may credit score drop, which is n't that high to begin with.
Product: Credit reporting

While reviewing my EQUIFAX credit report, I noticed that on XXXX/XXXX/2014, an unauthorized inquiry was performed by employee of this XXXX of XXXX XXXX, XXXX XXXX, XXXX XXXX, SD XXXX. I did not authorize it nor consent to it.This conduct is in violation of my privacy Rights and FRCA Sect.16 : 1b ( c ). I have personally requested that this adverse information be removed from my report but was denied by EQUIFAX stating that after investigation that the inquiries are factual record.
Product: Mortgage

FIRST GUARANTY MORTGAGE CORPORATION VERY DECEPTIVESince End of XXXX of 2015 I have been trying to streamline my loan based on the new Federal Goverment Program to cut down PMI and if posible get a better interest rate, but my Mortgage Servicer has stoned wall the process. I have had it to my neck with the bank. They would not reply my phone calls anymore and I have been prevented from going to another bank because the bank would not release my FHA number or provide me with the information if they would assign my mortgage tax ( XXXX ) to another bank. I just keep getting Good Faith Estimate every month for nothing just to keep tied up to their scheme. The bank operates with dishonesty and would not provide information needed. It does not take 3 months for a bank to streamline it 's own loan. My phone calls dont get returned at all. I wish I have a legal option against this bank for wasting my time and raising my hope of saving money.
Product: Debt collection

National Credit Systems has reported false information on my credit. They have reported that I owe to debits {$450.00} & {$990.00} for an apartment community called XXXX XXXX XXXX XXXX XXXX I have never lived a property called XXXX nor have I ever signed a contract of any sort called XXXXXXXX XXXX 

I have filed compliant here in 2023 and the case was closed. National Credit Systems have never contacted my nor provided me with an document or invoice as it relates to this reported debit. My rights under being violated under FCRA Section 611 ( c ) Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate.
Product: Debt collection

A check which I wrote to XXXX for {$25.00} was returned, and I received the following email from XXXXXXXXXXXX : Greetings from XXXX. 

XXXX uses TRS Recovery Services , Inc. ( " TRS Recovery Services '' ) to process customer payments made via electronic bank account transfers. TRS Recovery Services has been notified that your financial institution was unable to process a transaction relating to your recent XXXX order ( s ). Some of the more common reasons that this may occur include, mis-keying account numbers and/or routing numbers, omitting digits to account numbers or recent changes to your financial institution 's ABA Routing Number and/or account number structure. 

You may be receiving, or have already received, a telephone call from TRS Recovery Services regarding this issue. This contact was authorized by XXXX. 

Most processing errors are correctable with some simple changes to the electronic funds transfer request. TRS Recovery Services has a toll-free number you may use to contact them in order to provide the information necessary to reprocess this transaction. This call should take just a few minutes, provided you have your banking information readily available. 

Please call ( XXXX ) XXXX ( outside of the US, call XXXX ), Monday through Friday, between the hours of XXXX XXXX. to XXXX XXXX. CST, or Saturday between the hours of XXXX XXXX. to XXXX XXXX. CST. 

Both TRS Recovery Services and XXXX appreciate your response and attention to this matter within the next XXXX business days. Once you have addressed this issue with TRS Recovery Services , Inc., please allow two to three business days for your payment to clear. 

Please note that we have placed your XXXX account on hold pending resolution of this matter. This means that you will not be able to access your account/order information online. We will remove the hold from your XXXX account when TRS Recovery Services confirms that the amount in question has been paid in full. We appreciate your understanding. 


Sincerely, Account SpecialistXXXX.XXXXI called TRS Recovery Services at the number and gave a card to pay off the {$25.00}. They took my card and informed me that I had paid. I asked if the sum was {$25.00} and, for the first time, they informed me that I was charged {$50.00}, including a {$25.00} fee and that my account was in collections. I had not been informed that I had been sent to collections, the communication informing me of the debt had neither the amount of the debt nor did it disclose that it was an attempt to collect a debt. It also did not notify me of my right to dispute. I was only notified that I may dispute the {$25.00} fee when I complained about it. They reversed it, but indicated that I would still owe it.
Product: Credit reporting

We submitted disputes to XXXX and TransUnion one month ago due to mis-reporting of a XXXX card balance. We asked, specifically, that the balance be reflected accurately to the new amount of credit charged at XXXX instead of the mis-reporting of a balance of XXXX. We have been denied credit due to Trans-union and XXXX not updating their system after multiple requests, phone calls to both bureaus and XXXX.