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

Complaint About Truist Bank Overdraft Fees To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX Date : XX/XX/year> Regarding : Truist Bank Overdraft Fees Account Information : Truist Bank Account XXXX : Checking XXXX & Checking XXXX Complaint : Dear Consumer Financial Protection Bureau, I am writing to formally complain about the overdraft fees that have been applied to my account by Truist Bank. Over the past few months, I have incurred several overdraft fees that I believe are unjustified. Below are the specific instances of the overdraft fees in question : - **Date : ** XX/XX/year> **Amount : ** - {$36.00} **Description : ** Overdraft Fee - **Date : ** XX/XX/year> **Amount : ** - {$36.00} **Description : ** Overdraft Fee - **Date : ** XX/XX/year> **Amount : ** - {$36.00} **Description : ** Overdraft Fee These fees have caused significant financial strain, and I am struggling to understand why they were applied to my account. I have always endeavored to maintain sufficient funds in my account, and these charges seem excessive and unfair. 

I have contacted Truist Banks customer service department to dispute these charges and seek clarification on their overdraft policies. However, their responses have been unsatisfactory, and I have not received a resolution to my concerns. 

I request that the CFPB investigates Truist Banks overdraft fee practices, specifically how these fees are applied and whether they comply with federal regulations. Additionally, I would like to request a review of my account and a refund of the overdraft fees that have been unjustly charged. 

I believe that these fees are indicative of broader issues with Truist Banks overdraft policies, which may be impacting other consumers as well. Your assistance in resolving this matter and preventing similar issues in the future would be greatly appreciated. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

I had unauthorized pulling of my credit report at several car dealerships and a credit union. This caused my credit rating ( scores ) to all three credit bureaus to take a hard hit with all the hard injuiries listed without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, my name is XXXX XXXX, and I am writing this statement on my behalf of myself. I have recently discovered that I am a victim of identity theft, and my information was used without my consent. I was a victim of identity theft and seemed to be targeted again. The following accounts/inquiries have been added to my report without my knowledge or consent, and I am requesting for them to be removed immediately : -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 XXXXXXXX - XXXX XXXXXXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX
Product: Debt collection

I recently noticed two OPEN collection accounts on three of my credit bureau reports stating that Midland Funding/Credit Management has placed on my report as a " collection '' account. I was not aware of any such company that I owe a debt to yet alone two separate accounts with two different debt amounts. I was puzzled. OnXX/XX/XXXX I 've sent Midland Funding LLC two separate letters via certified mail regarding the two separate collection accounts they are claiming I owed. Asking them to validate my account by sending me evidence bearing my signature showing that I have ever signed a contractual obligation with them. Asked them to reply within 30 days of receiving my letters. Per my tracking system they received these letters on onXX/XX/XXXX. On XX/XX/XXXX, I noticed the accounts moved from OPEN status to CLOSED status with balances still owed by me apparently. I 'm even more puzzled. It is now XX/XX/XXXX and I still have yet to hear from them with my reply of this agreement I am asking for. On the 31st day, if they do not reply I will have to take the next step to excercise my rights. This is very damaging to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing my dispute with Experian verifying this account was accurate and complete, I found several inconsistency reporting on this account : XXXX Acct. XXXX It is your duty to ensure that all information reported is consistent, fair, and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item immediately. Below are a list and pictures of inaccurate and incomplete information. 

XX/XX/XXXX has 30 days late but in Actual Amount paid. XX/XX/XXXX has ok but incomplete data in Actual Amount Paid. Fix or remove ab, it. XX/XX/XXXX has ok but incomplete data in Actual Amount Paid show no data. How much did I pay .Fix it or delete it. XX/XX/XXXX has 60 days late. How could I be 60 days late in one month. XX/XX/XXXX show incomplete data fix it or delete it. 

Experian had an opportunity to correct the my consumer report after conducting their investigation but choose to keep these inaccurate and incomplete information on my consumer report, so please delete it from consumer report. If you can't fix all inaccurate and incomplete information you must delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, XXXX XXXX XXXX, DEPT OF ED/XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Product: Student loan

I realize that this issue has not been resolved, and keep saying duplicate but when the IRS took my income tax for the amount of {$8200.00} dollars this loan was paid off. Seems the AES has bought a bogus loan and the loan was only about {$4000.00}. i know for a fact that this loan has been paid off. back in 2014 through IRS.I am not in the national data base as of owing anything.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account Number : XXXX To Whom It May Concern XXXX XXXX XXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 

15 US Code 1681s-2- Responsibilities of Furnishers of Information to consumer Reporting agencies. 

( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something. 

15 USC 1681 s-2 Says you XXXX XXXX XXXX are a furnisher of Information to a consumer reporting agency. 
You are PROHIBITED BY LAW Furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 

15 USC 1681 S-2 ( a ) ( 1 ) ( A ) 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. 

You are hereby put on Notice that you are furnishing incorrect inaccurate information. 

15 U.S. Code 1681s-2- ( a ) Duty OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. 

The continued reporting of this information is a clear violation of the Law 15 USC 1681s-2 of your grave responsibilities as a furnisher of information. 

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and DELETE this erroneous, inaccurate account from my consumer report. You, XXXX XXXX XXXX did not gain my written permission to report any information on me to consumer reporting agencies, persons or entities. 



You have XXXX Calendar Days to Delete this Account from my Consumer Reports! 


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

XXXX unlawfully reported a fraudulent account that arose from IDENTITY THEFT that they did not verify as required by law on my consumer report.
Product: Bank account or service

On XXXX 2016 during a visit to Wells Fargo Bank XXXX XXXX XXXX approach us ( Me and My Wife ) and provided us with verbal information regarding the XXXX account features including higher interest rate on savings, free check books and free safe box as well, we did sign for it few days after we received new bank card in mail, on XXXX/XXXX/2016 my wife went to the bank to put some valuables in her safe box where they told her that she does not have the XXXX account so she 'll have to pay {$100.00} for it, on XXXX/XXXX/2016 we went back to the bank to get more informations about the changes that took effect on our account without our knowledge or consent, XXXX XXXX the store manager admitted that some changes has taken effect on our account and the only answer we get from the manager was ( I do n't know ) and when my answer was " when it comes to financial issues, I Do n't Know is not a valid answer specially when comes from a manager '' XXXX XXXX started getting really upset raising her voice to unpleasant tone telling me it 's a business place and I should n't say that or behave that way, then she turned her back to me, Despite the fact that I did not get any answer about who and when and how my accounts has been changed without our consent, I felt humiliated with that kind of treatment that I got from Wells Fargo store manager so I had to excuse myself going back home with an unsolved problem and a disappointment from the way I was treated which is unacceptable, Taxpayers spent XXXX to save the banks during the bailouts of the Great Recession. Would n't it be nice if they followed the laws of the land?
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting XXXX and XXXX credit cards on my account after being notified of identity theft and fraud these account and balance do not belong to me I have reached out on this numerous times now
Product: Checking or savings account

Ok so i recieved a settlement for a work place injury in the form of a check. I took that check and went to a Suntrust bank in XXXX, Ga. Using that check i opened a checking account on XX/XX/2019. I was told that the check would clear and be available by XX/XX/2019. The funds were cleared by the issuing bank on XX/XX/2019. The Suntrust internal policy was the only reason for the delay of my deposit being accessible. Despite this small hiccup i waited as required by Suntrust. However on XX/XX/2019 the bank informed me that the account was being put on a debit hold. After multiple telephone conversations i was referred to the branch manager at the branch i opened the account at. I then visited them to find out why my account was being frozen. I was informed that the Suntrust policy allowed them to close any account at any time for any reason. According to the representatives of the bank i would have to wait 7-10 days for the account to offically be closed. Then i would have to wait 7-10 days for them to issue/mail my remaining balance to me. Well after waiting what i consider a fair amount of time i began to grow concerned about the whereabouts of my funds. I then began to reach out once more to locate the funds that i had deposited. When calling both the normal service 800 number as well as the executive services representative i was told they are not able to tell me where my funds are. No one from the fraud department, and i have left half a dozen messages for the investigator, will return my calls. Ive now waited 37 days total. My funds are still in their possession and No one seems to be able to help me in locating the status of my funds. Adding insult to injury they have only just now sent me a letter via USPS informing me of the account closure dated XX/XX/2019. Which i was locked out of and unable to access the account since XX/XX/2019. They have had ample amount of time to rectify this issue. I have enclosed some of the correspondence between myself and Suntrust, my attempts at contacting both the fraud investigator and the Executive Services rep., as well as letter from my attorney who assisted me with the lawsuit that was ultimately settled. ( your more then welcome to verify anything with Mr. XXXX XXXX of XXXX XXXX XXXX ) They have intentionally dragged their feet in this matter and my time is just as important and valuable to me as im sure their time is to them.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 61XXXX ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I had booked a flight ticket using JP Morgan and Chase credit card. 
The booking was done using their ticket booking service ( Chase Ultimate Rewards program ) and was done in the month of XXXX, XXXX for a flight in the first week of XXXX ( XX/XX/XXXX ). 

During the booking I requested multiple time that the ticket be refundable. I was promised that it was so. The ticket was booked for 2 adults and a lap infant. 

On XXXX ( XXXX ), XXXX I called the bookings line at Chase to cancel the ticket for 1 adult and the infant. During the cancellation there there was confusion regarding if the ticket was refundable or not. The booking agent for Chase then checked the voice recording from XXXX and confirmed that while the ticket said one thing that I had paid for refundable tickets and had requested a refundable ticket multiple times in the conversation. A request for email confirmation of this was denied on the basis that their system does not allow them to send an email containing this data to the customer. The agent then promised that I will be refunded my money in 1-2 billing cycles. 

I called booking agency of chase in XXXX ( XX/XX/XXXX ) to check up on this issue after 1 billing cycle and their agent gave me a specific date ( XXXX ) by which I should be receiving my refund. All this while there was no question on the refundable nature of the ticket as they could see in their notes clearly the previous checks done. 

When I did not receive my money by the said date, I called the booking agency of chase again on XXXX XXXX, only to be surprised with a different story, where they claimed that the previous agent had made a mistake in refunding a non-refundable ticket and that they have to go check again ie : Repeat the process done in XXXX. 

When I countered with how they can claim error when they were going to repeat the same process and the fact it will take another 1-2 billing cycles to get my money back they simply kept repeating that they will not honor the checks from their previous agents as they consider her wrong while suggesting that they will repeat the same process again. 
My questions on why the rejection of the claim was also not passed on to me was also met with attempts at distractions. 

I was then told that an internal ticket has been raised but I was not provided any closure date. I was simply told that it was a high priority. 

I am writing this complaint since I do not trust their process and since they do not share any of the voice recording or their notes from previous conversations to their agents hoping they will share details once this complaint is made. 

Amount in question to be refunded : {$690.00} and some change
Product: Credit reporting, credit repair services, or other personal consumer reports

sick during XXXX  for over a year and all these accounts have popped up. no such contract can i find, but to report a collection for a few hundered dollars does not make sense Account name AFFIRM INC Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$400.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$830.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name AFFIRM INC Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$250.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$370.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name AFFIRM INC Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$390.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$580.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name AFFIRM INC Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms 39 Months On record until XX/XX/XXXX AFFIRM INC Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$640.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$830.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN, DOB, address, driver 's license number, credit card numbers, and potentially other personally identifying information was part of a cyberattack carried out against Equifax Inc. earlier this year. My information is now accessible to any would be identity thief.
Furthermore, Equifax did not disclose information to me of this attack until several days ago, months after the breach occurred. This has given identity thieves months to plan and/or carry out an attack on me. Equifax has displayed disregard for me and 143 million others in not disclosing the nature of this attack in a timely manner.
In an attempt to pacify the victims of this attack, Equifax has offered to provide 1 year of identity theft protection. I feel this is insufficient for two reasons : First, I do not trust Equifax to provide competent protection, as they have clearly proven they can not handle my private information correctly. Second, language in the Terms of Service when agreeing to their Identity Theft Protection Program explicitly bars me from any future litigation. Without knowing the actual impact of this cyberattack, these terms are not acceptable.
In short, Equifax needs to be held accountable for their negligence.
Product: Credit reporting or other personal consumer reports

Hello, I would love for you to investigate this information that is incorrectly placed in my credit reports and is affecting me a lot. 


XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : ) XXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX