23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I went to the Truist Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX location to get Notary with my wife and I was discriminated that because of my accent or appearance the Bank gives free notary for all his customers in front me other customers they get free Notary. 
By name XXXX XXXX XXXX she did the notary for us and she ask us to pay {$5.00} and I ask her why? she did not ask us before she did the notary she said that we have to pay and we said that we will pay you but we we would like to get receipt and said ok she took the cash and went to the front Clark area she brought a donation receipt and I asked her I am not willing to give donation by force I need legitimate receipt. She snatched the receipt from my hand and she gave me the money. 
It is not the matter of the money I felt that I am discriminated by Truist service and it fraud done on us by Truist Bank. 

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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT ED/XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX please update all payment, all payment was made on time 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

here is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I did a Credit card transfer from Wells Fargo to a local credit union. Wells fargo didnt has since continued to charge interest on my card when the account has been closed for 3 months. They are saying its user error even though I gave everything I needed to for the Credit Union
Product: Credit reporting or other personal consumer reports

I'm writing to file a complaint for the second time regarding inaccurate information on my credit report with Equifax. The report incorrectly lists my name as " XXXX XXXX, '' which is incomplete, and my correct name is " XXXX XXXX XXXX XXXX. '' Also, my address is listed as " XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX, '' when the correct address should be " XXXX XXXX XXXX XXXX, NJ XXXX, '' without the floor number. Lastly, my employer is listed as " XXXX XXXX XXXX, '' which is incomplete, and it should be " XXXX XXXX XXXX. '' These errors violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that credit reports must be accurate and up-to-date. These inaccuracies could negatively impact my credit, and I request that Equifax correct these details immediately. Additionally, I ask that you investigate the source of these discrepancies to ensure they are not the result of fraud or identity theft. Please ensure that all future information remains accurate moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX 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 an account without my written instructions.
Product: Mortgage

At the time we were offer a loan mortification because we were struggling with high pymt.and they would ask for all information proof of employment at the time which I comply with all the information they needed to supposably be able to help me out and they wouldnt accept any kind of pymts from me .and after they ( American Servicing Comp.Morgage who was financed by Wells Fargo after almost a year they told me they couldnt help me and that I only had 90dauys to come up with the amount of XXXX which I wasnt able to have Me, Wife & XXXX children end up loosing our our home after all our effort we made to have our living home.
Product: Student loan

I believe I was over charged on a parent plus loan through Sallie mae.I would like the money I over paid back..
Product: Student loan

I reached out on Monday, XX/XX/XXXX to UAS to correct my enrollment and loan status. It is Friday, XX/XX/XXXX. I am currently enrolled full time in a graduate program and have been consecutively since XXXX XXXX ( and prior to the Fall XXXX semester, I was enrolled consecutively from XX/XX/XXXX to XXXX XXXX ). I have been receiving emails imploring me to complete exit interviews for a loan for the last several months. I am enrolled full time and provided the enrollment verification form upon request, via email, on XX/XX/XXXX. Several days afterwards my credit score dropped significantly ; upon providing proof of my enrollment my status should have immediately been put on deferral until it was verified by an account specialist. 

At the time of writing this complaint, after reaching out to UAS multiple times, via email and phone, I presently still owe a payment on their portal. My status has not been adequately adjusted to reflect my enrollment, it has had a significant impact on my credit score, and it will continue to affect me. When I reached out by phone I was not given any time frame as to when my status would be corrected. have already provided proof of my enrollment and would be happy to provide any other supporting evidence. If they need further information from the school, UAS needs to contact the appropriate people/offices and do so, in a timely manner. I have never had any issue or difficulty getting someone to verify me enrollment status. And I will no longer wait idly while UAS 's incompetence continues to affect my credit.
Product: Debt collection

XXXX XXXX XXXX XXXX opened a collection account against myself and my husband on XX/XX/XXXX in the amount of {$3000.00}, claiming that we failed to meet financial obligations to them upon moving off of their property on XX/XX/XXXX. My husband disputed this claim, and requested substantiating documents. The collection agency responded with paperwork claiming to validate the debt on XX/XX/XXXX, however the document provided was a rental agreement that began XX/XX/XXXX and ended XX/XX/XXXX. Clearly this paperwork does not validate the debt they are trying to collect supposedly incurred on our moveout date of XX/XX/XXXX, however XXXX illegitimately accepted it as validation of the debt. 
I disputed this with XXXX credit bureau a second time on XX/XX/XXXX, but my dispute was rejected due to the previous dispute being rejected on illegitimate grounds. 
I attempted to resolve this with XXXX on XX/XX/XXXX, to no effect, in fact they told me to submit a report here. 
I attempted to resolve this clear discrepancy with the collections agency XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, to no effect. They are claiming a total of {XXXX now, including interest accrued since they began this deeply misguided attempt at illegitimate extortion.
Product: Student loan

My name is  XXXX   XXXX  I am a   XXXX   XXXX   XXXX   who obtained private student loans from  XXXX   XXXX  total of {$43000.00}. For my education. I graduated in   XX/XX/XXXX  and  immediately I started making payment from  XX/XX/XXXX  a total of $  XXXX  /Monthly. Here is th e summary of my loans  : 1.   {$66000.00}, Paid in total since  XX/XX/XXXX   2.   XXXX  I have paid in capitalized interest.    3. { $76000.00} is my current balance.  <P/> I tried reaching out to Navient to explain that I am going through financial hardship and I cant pay anymore and if they can settle for $  XXXX , they refused.  <P/> Summary of my situation I have never borrowed money from Navient.   Now I Navient all of sudden started contacting me and telling me that they are  XXXX   XXXX .   They used information I provided to  XXXX   XXXX  and started taking money from me.   At the time of signing my note, I was never told that my loans will be turned to someone else, they never told me what my interest rate is, never told me how and when I should pay it, never told me that my interest rate is variable, and now I am in th is big miss and dont k now what to do.   I am seeking your help in resolving this issue with Navient. At this point I believe that I never borrowed any money from Navient, although I paid all this money to them thinking they are  XXXX   XXXX  but they claim to not be. Please advise me what to do at this point. I am in serious financial hardship and cant pay anymore that what I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Global Payments has transmitted the incorrect information for XXXX XXXX in connection with a business service he provided through his now closed company XXXX XXXX and XXXX. Global Payments transmitted information that the customer was not satisfied because the customer had not received certain HVAC equipment/service when the documentation provided indicates the customer did receive the equipment/service and signed off on all documents that the service was satisfactory. 

A prior complaint was filed on this subject in XXXX to which Global responded with completely incorrect information and never responded to the documents provided by XXXX XXXX. XXXX XXXX hopes that this second complaint will be responded to accurately by Global Payments and that CFPB will do more than just " rubber stamp '' whatever Global Payments says.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, Account # : XXXX, XXXX account : # XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX  account # : XXXX, XXXX credit card account # : XXXX Have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

On XX/XX/XXXX, the Circuit Court for XXXX XXXX, FL, Probate Division, issued a court order ( Filing # XXXX ) ( File No. : XXXX XXXX ) for Truist Bank ( f.k.a. : Suntrust Bank ) to deliver certain safe deposit box contents of XXXX XXXX XXXX ( deceased ) to XXXX XXXX XXXX ( to be named personal administrator of the estate ). The safe deposit box contents are presently stored in the Truist Bank central vault somewhere in XXXX, FL. 

The court order was hand delivered to a local Truist branch in XXXX, FL, on XX/XX/XXXX. The same day, the Truist branch in XXXX, FL, e-mailed the court order to the XXXX XXXX where the central vault is located. I was told it would take several weeks for Truist to process the court order. 

As of XX/XX/XXXX, it has been 75 calendar days and the court order has not been complied with. This is unacceptable customer service and a wanton disregard of timely compliance with a court order.
Product: Student loan

My student loan under SAVE plan and forbearance is accruing interest and is being added to the principle. However, I have realized my interest may have been accruing for more than I have noticed.
Product: Debt collection

I just recently received a report again about the XXXX XXXX collection for {$1100.00}. This issue is been on for many years and i already talk to them long time ago that this account on XXXX XXXX that they are collecting is not mine. But they keep sending a report which is happen again last XXXX XXXX, XXXX. Again, this account that they are trying to report is not mine. It been ruining my credit report for many years now.
Product: Vehicle loan or lease

I sent two money orders to XXXX XXXX. The first money order was for {$250.00} and the second was for {$490.00}. I inadvertently made one of the money orders payable to myself ( {$490.00} XXXX. As soon as I caught the mistake I contacted XXXX regarding the issue. It was at that time they informed they use robots in their payment centers to process checks. I was informed my check would either be cashed, sent back or destroyed by the robot. The check was processed. XXXX contacted the Federal Reserves to have the funds reversed but it will not be be sent back to me. I was told the funds would return to XXXX XXXX XXXX money order ). I have contacted XXXX XXXX and they outsource their customer service department outside of the XXXX. So communication has been horrible with XXXX XXXX. XXXX should have send the monies back to me. Now I 'm out of {$490.00} which was my payment amount to XXXX. I have spoken to multiple individuals regarding this situation. I do n't sense the urgency to resolve this issue either.
Product: Credit reporting or other personal consumer reports

I disputed on XX/XX/year> the item from XXXX XXXX  XXXX that does not belong on my credit report It has been over 35 days since Transunion has responded. 
They are in Violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account that keep getting verified I contacted XXXX XXXX myself and they told me that the account was removed not made a change off. I have a delete letter from them in which I have attached the letter below with FTC report and police report. 

This account is showing on my XXXX & Equifax credit report. 

XXXX XXXX XXXX XXXX XX/XX/2021 {$100.00}
Product: Debt collection

They have been told they have the wrong number, that I have never heard of not know anyone named XXXX & to stop calling me but I receive 1-3 calls a week.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX Balance : {$2400.00}
Product: Debt collection

This is my 3rd time filing a FCPB complaint about this and this is criminal at this point. The 2 previous complaints are numbers XXXX and XXXX. 

So basically they are illegally trying to collect on a debt that is passed the statue of limitations and are FALSELY stating the amount owed. The court judgment they tried using before is long expired and was never renewed so it is passed the statue of limitations. 

So please stop telling lies that this debt is owed, enforceable or collectable. Everything you have provided so far has been passed the statues of limitations so explain yourselves?
Product: Credit reporting or other personal consumer reports

L J ROSS ASSOCIATES INC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

You L J ROSS ASSOCIATES INC failed to validate this alleged debt. 
I refuse to pay this FOR ACCOUNT # XXXX alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 
Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. 
This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY. 
15FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors USC 1692c ( c ) Ceasing communication FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations
Product: Credit card or prepaid card

I was charged a very high-interest fee ( approx {$200.00} ) on my XX/XX/2020 Home Depot Credit Card Statement, for a Home Improvement Purchase promotion that had expired and I, kindly requested to extend due to the current pandemic, the no-interest promotion ( as have other retailers -Best Buy- done with their store cards, extending without having to request ) but Home Depot has refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request has been ignored and " verified '' while my profile has been hijacked and left vulnerable. I requested that XXXX, XXXX and TRANSUNION eliminate the excess PERSONAL INFORMATION on my report due to falsehood and they still remain despite their negative impact and toll. This is not fair nor is it accurate. I did not consent to this form of reporting and I need confidentiality to protect myself from further fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Data breach with mortgage company caused late payments to accrue on my account. My mortgage was being paid on time every month, there was a fraud company identical to XXXX that was recieving the payments due to the data breach.
Product: Debt collection

After checking my credit report and seeing information from this company stating that I owe them, I contacted the property by phone and was told there are no records on file for me so I mailed out a letter to the debt collector asking for validation of the debt in writing and this has not been provided to me. Their lack in proof shows that this is not my debt and needs to be deleted from my consumer report as it is fraudulent.
Product: Mortgage

I paid {$400000.00} for my home. US Bank is my mortgage provider. PMI is supposed to be cancelled automatically once the loan amount equals 78 % of the original purchase price ( {$310000.00} ). 

I looked at my statements and found my loan value dropped below that amount on my XXXX, XXXX statement ( {$310000.00} ), but Interest remained. I requested by phone why I still had Insurance deducted, and they said they would look into it. I received a response via mail on XX/XX/XXXX, stating that I had met the Loan to Original Value ratio requirement and have a good payment history, but in order to cancel PMI, I must pay them {$100.00} to perform a Broker 's Price Opinion ( BPO ). 

This is not required for automatic cancellation of PMI, only for requested cancellation ( at 80 % LTO ). 

I should not have had to pay PMI for this period of time and I should not have PMI charged now. The funds I would have had in my accounts or paying down Principal were in my mortgage lender 's possession, rather than mine, thus I have not been making interest on those funds or reducing the principal on my loan with them.
Product: Debt collection

Phone call made by Portfolio Recovery from phone number XXXX on XX/XX/2022 when no contact was requested on XX/XX/2022 when they called from a different phone number. I blocked the previous number they called from but then they called again from a different number when I asked them not to.
Product: Mortgage

I recently bought my first home financed by a mortgage with Wells Fargo. The terms included an item called Escrow payments. Initially there were two options, and I selected an option of {$270.00} a month on XX/XX/2021. 
However, on closing day XX/XX/2021, I received a call from the bank / agent, saying that the escrow payment on the loan would be {$1300.00} a month. I asked him to explain the number / calculation. He said the high number was actually incorrect, but he wanted me to sign the documents first and wait for a later adjustment. I signed the closing documents on that day. 
However, I have never received any adjustments, and therefore I have to pay a much greater amount of {$1300.00} per month for the escrow payments. 
I have tried to contact the mortgage agent a few times but did not receive any response. I have also contacted Wells Fargo over the phone and I was told the they would need to have some government document / assessment update in order to change the escrow amount. However, they did not tell me why how the number was computed and why was it changed from {$270.00} to {$1300.00} in the first place.
Product: Credit reporting, credit repair services, 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 XXXXXXXX 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 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.