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

On XX/XX/2022, I attempted to open a Truist Dimension Checking account online, and it was successful. I made a deposit of {$50.00} into my account to start it off. However, when I tried to log back in, it wouldn't let me. That's when I had found out that my email and bank account was compromised. I immediately alerted Truist, and they had given me a phone call and a link to verify myself. In the link, I had to upload a picture of my face with my photo ID. For some reason, they were not able to verify me despite my efforts to verify myself. I had visited a local branch in XXXX, but she had failed to verify me as well. The account was locked down. I could not go into my account, make changes, close or even deposit funds into it. 
In my frustration and needing a joint bank account with my boyfriend, we had visited another branch of Truist Bank on XX/XX/2022. I was helped by a banker, XXXX XXXX and he proceeded to open us another bank account, a Truist One Checking account. He had verified both of us and successfully opened the account which I then used. 
After multiple attempts to call them to verify me and visiting local branches, they still failed to verify me until XX/XX/2022. I visited the XXXX XXXX branch of Truist. The bank verified me successfully, and that's when I had found out that my account was charged " maintenance fees '' even when the account was locked down and I had no access to the account. I tried to dispute the charges for the maintenance fees because 1. I did not have access to the account, including depositing any money into it 2. It does not make sense for me to pay maintenance fee for an account that was locked and unused and lastly 3. Even if I had access to the account, I requested to close the account multiple times, in which they repeatedly told me I could not until I verify my identity despite attempting to verify myself with my driver 's license, permanent resident card, social security card and an active passport. 
A total of {$80.00} dollars of maintenance fees were charged between XXXX through XXXX, {$20.00} of maintenance fee per month. I was refused dispute of the maintenance charges despite not having access to the account, and they refused to close my account if I did not pay the {$30.00} worth of maintenance fee and also refused to refund my original {$50.00} that I had put into the account when I initially opened it. 
I am so upset and disappointed with the way Truist bank operates, and even with my active account, I still have problems with it all the time. It's certain that I am never going to bank with Truist again because of their practices, lack of customer service and ignorance in handling particular situations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX FIN XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX XXXX 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: Mortgage

Recently discharge from a chapter XXXX bankruptcy ( XX/XX/2017 ). We have 3 mortgages with Ocwen Loan Servicing and one of three loan # XXXX is one that we are having problems with. This account is showing {$5900.00} as Escrow Balance. The address of the property is XXXX XXXX XXXX, XXXX, Florida XXXX. I request a release of the escrow funds & have been refuse. There has not been an escrow payment attached to this account because of there refusal to make payments to the insurance company & tax dept. I was advised by the attorney to stop the escrow & insurance payments to them. All payments were stopped until the amount sent to them was satisfied, then payments were resumed. We would be satisfied with these funds being applied to the principal of the loan but it should n't remain in an escrow account. Our monthly payments ( principal & interest ) is {$120.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two mortgage accounts being reported open on my credit report. I disputed this with Experian on XX/XX/ and they did nothing. I have been denied credit because my report says I have two mortgages when I only have one. I have also called XXXX Mortgage to discuss this matter and stated that they was surprised that two accounts was reporting on my account and there should only be one but don't know what they could do to fix it and told me that they had no options for me to fix it. 

This is about the consumer report received via email dated XXXX XXXX While going through the same, I came to know about a few inaccuracies and even some fraudulent information that was reporting in it. 
According to 15 USC 1681 ( a ) ( 2 ) of the Fair Credit Reporting Act states " an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. '' Your company Experian falsely reported information that resulted in defamation of my character. 
Furthermore, your company created deceptive forms that made creditors and employers believe that these were valid debts and that I owe these alleged debts and could not pay, though you could not prove its validity. 
As a result, I was discriminated against and denied my right to extend credit. I suffered emotionally as well as from financial hardship. 
Your company is liable according to the Fair Credit Reporting Act 15 USC 1681o. 
I communicated with your company to dispute this information reported on XX/XX/XXXX XXXX After your investigation, your company stated your results were verified as accurate however you have a duty to investigate anything immediately that is reported to you to determine if the reported information is inaccurate. No such investigation was conducted by your company ever. 
Your company never communicated with me to verify and validate if the information being reported to you that you furnished on my consumer report was accurate. I also provided documentation in my dispute that this account was closed. And cause you did not do this it is impossible that your reinvestigation could provide your findings " reported as accurate ''. Furthermore, you violated my rights to consent and privacy when you conducted that investigation and this information was " reported '' to you in the first place and you did not contact me to determine if this reported information was accurate, your company, Experian, did not communicate with me to know if I consented to any of these transactions or this report. 
This is a violation of 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and RESPECT for a consumers RIGHT to PRIVACY. '' If you accept my request, I will not escalate this matter to a federal complaint.
Product: Checking or savings account

I tried to transferred {$100000.00} from my Citibank online account linked to my checking account to another Citibank online account linked to my saving account using the Citibank XXXX XXXX on XX/XX/XXXX. My transfer didnt go through ( I press the transfer button and then it went to the home pages or something, i thought it was some bugs so I repeated the transfer process again and try to transfer another {$100000.00} or {$90000.00} and still didnt work ) and I didnt receive any messages from my phone neither from the email. Then after a few days on XX/XX/XXXX, XXXX cant log in my online account linked to the checking account, and it shows a red box of text telling me Hmmlooks like were having some technical issues right now. Please try again later. And I tried later another box showed Our system is experiencing temporary delays. Please try again later. I called the phone number of Citibank online banking support and they told me that my account was lock due to fraud protection or something and their specialist is reviewing the account please wait 24hrs to 48hrs and they will call back. I did wait for over 48hrs and received no phone calls or messages. And then I called them many times for XXXX weeks that their tech department and fraud prevention department couldn't fix the problem, and each time they either said someone was reviewing the case and I had to wait 24 to 48 hours to fix the problem, or they transferred the line and another representative given me another number to call which at the end transfer me to their technical department or fraud prevention department again ( and repeated the same process. ) and waited for over 48 hours didnt fixed the problem and no response given back. Last week, I went to one of the Citibank branch to ask the bank staff and they could not do anything about it but ask me to call the phone number again. And today I was told by the Citibank staff that my checking account is being closed and they will send a check to my address. I will need to wait 30-60 days to receive the check. This is ridiculous that they just closed my account without telling me anything about it neither why it got closed nor informed me about the closed of the account through messages or email.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX Recently, I did an Investigation on my credit report and found several items on there to be inaccurate. 

It's ridiculous that this erroneous account is still reporting on my credit reports. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

acct # XXXX XXXX XXXX XXXX XXXX  - DATE XX/XX/2022 SHOWS A PAYMENT WAS RECEIVE. THE DATE IS FALSE. MAKING FALSE CLAIMS ON CREDIT REPORT IS ILLEGAL. 
15 U.SC 1681s-2. PLEASE PROVIDE RECEIPTS OF PAYMENT DATE XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a {$57000.00} auto loan, on my credit report from XXXX XXXX I have contacted them over and over again. I do not own nor have I signed for a Nissan truck, I asked them to remove the negative item off my credit report, because it is a error and fraud. They said, that they would investigate the matter and I didn't receive any update status etc. The collection account, is just remaining on my credit file and hurting my score and was in the process of doing a home loan and lost the loan, because Nissan, reopened the collection accounts investigation account and re-aged the collection account any score dropped 67 points. This is a case of fraud and poor accounting/bookeeping/poor management, on the part of Nissan. They should know without a doubt, whom they have sold a truck to for {$57000.00}. I never went into the dealership, gave my information, signed and agreement or contract, nor have I co signed or taken or received a truck from their company and it is causing me great hardship and harm. Nissan refuses, to correct their error, on my credit report.

XXXX XXXX and XXXX, are required to have a copy of all signed agreements /contracts in hand before reporting any accounts to the credit reports. This requirement, is in place, so that a account, can not be reported, without be verified and have sold proof, that the account actually belongs to the person, it is being reported for.

There has been no validation/verification, because there can not be one completed as this is not my truck or debt and none of the parties are showing any professionalism and morals, by refusing to correct a clear and present error.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax, apparently I do not exist. I have an account, but it is no longer recognized. I can not get a credit report from them via XXXX, although I do from the other two agencies. While they have no problem assessing me a credit score, I have a thin file and they refuse to recognize me with their automated system, and I can not contact them otherwise. They ignore all letters. I sent them a letter on XX/XX/XXXX, no response. Another letter on XX/XX/XXXX, also ignored. And a letter requesting a 7 year fraud alert on XX/XX/XXXX. That was responded with a postcard saying they acknowledged the 7 year alert, and I would not have to notify the other two credit reporting companies, which I had already done. They did not respond to any of my complaints about having an account I can not access, that I can not get my credit report, and they have not responded to any prior letters. I am the victim of identify theft, due to a breach of a government server, and the monitoring agency that they assigned me said they have nothing but problems with Equifax. I have credit freezes with XXXX and XXXX, and no problems with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX and Transunion reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX credit report. 

The information for this account listed on my credit report is : CREDITOR XXXX XXXX XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2017, BALANCE OF {$0.00} CREDITOR : XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2017, BALANCE OF {$0.00}
Product: Student loan

I have been able to repay my student loans. I have been unable to work for the last two years. I am currently waiting for a " XXXX '' from the VA. I have used all forbearance 's and would like a repay as you work loan, but have never been offered one from Navient.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including 26 critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Credit reporting or other personal consumer reports

60 days ago I sent a request for this company to update and remove inaccurate information from my credit report. I sent 2 forms of ID, and a list of inaccurate information listed on my report. 

This company responded by saying they would not investigate. 

They are violating my rights as a consumer and now that it has been 60 days since my initial response, this company has neglected to act on my behalf to make my profile on their servers correct. 

I intend to file a complaint with my local court house if this is not corrected promptly. 

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

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT, THEY ARE BELOW. XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
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. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX, XXXX : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  AN XXXX COMPANY ) : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

A charge off is a consider a certificate of indebtness which means it is income and needs to be removed off my consumer report. XXXX auto loan is showing as a charge off on my consumer report and is effecting my business and livelihood to take care of my family. Also another company showing on my report as a charge off is a company stated as XXXX XXXXXXXX XXXX XXXX XXXX XXXX and the other charge off is XXXX XXXX XXXX
Product: Student loan

Hello I appreciate the hard work you do. If there is any chance to look into myfedloan.org for not keeping records of what I paid them since XX/XX/XXXX on my school loan. I owe XXXX in school loans which started at XXXX that I started paying 12 years ago. They just told me yesterday that none of my payments have gone towards it. They have no record of my payments before XX/XX/XXXX even though on their website it says it started in XX/XX/XXXX. 

Anyway keep up the good fight, thanks for listening. 
XXXX XXXX XXXX PS- I have never reached out for any help in 59 years of living in Ohio .
Product: Mortgage

Last year I refinanced a loan for a house that I own with Nationstar Mortgage to bring down my payment, and to rid the PMI insurance. It did bring down my payment for about a year, but as the second year started on the payments Nationstar brought my payment back up to the amount I was paying, so I reviewed my payment and noticed they had been charging me PMI insurance under another name Borr Paid, and that they charged property tax XXXX against my escrow. I called Nationstar about this, they said they would review my escrow statement I informed them that the Ins payment was not on my truth in lending statement nor my escrow statement, as for tax payment they said they did n't send out a second tax payment, but according my statement they did. On the PMI they want me to do a PMI cancellation and charge me an appraisal. My complaint is they need to cancel my PMI and refund me the money they have been taking out for the last year since it was n't in my contract to begin with, and to refund the second tax payment, since they made these mistakes on my escrow it was caused my Payment to increase by a {$150.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX AMOUNT {$4600.00} ACCOUNT NUMBER - XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavors 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 an alleged fraud or extortion. 
XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX NA XX/XX/XXXX