23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

After a little more than a year enrolled in the Freedom Debt Relief program, my frustration level with trying to communicate with them reached a point of no return for me. I requested to modify the terms of my program after several attempts to resolve ongoing issues. FDR terminated me completely from the program. I was never informed that could happen when I was asking for a modification to complete the program. In short, I wanted to remove my 4 debt accounts that had not been processed by them and continue in the program with the ones that were in process.

FDR had been taking their fees in advance from my dedicated account and as of terminating me, they collected 83.8 % in fees on the debt resolution payments they made from my account. They paid {$3800.00} towards my debt from the total {$7400.00} in deposits I made. They paid themselves {$3200.00} for settlement fees. The other funds paid out, {$370.00}, were also fees, not paid to FDR. The contract stated their fees were 21 %. I can provide any supporting documentation that would be needed to verify what I am saying. Please let me know specifically what is needed. My last correspondence with them is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card issuer - XXXX XXXX, have reported incorrect credit history for at least 2 years. I worked, by telephone with a rep. on XX/XX/XXXX to confirm inacuracies in the credit history. The results are : XXXX last numbers of account : XXXX XXXX "XX/XX/XXXX{$450.00} received '' "XX/XX/XXXX {$150.00} received '' " XX/XX/XXXX{$130.00} '' " XX/XX/XXXX {$120.00} '' " Partial by {$3.00} short '' " No payment received in XXXX '' " XX/XX/XXXX {$300.00} '' " Good '' " XXXX min. '' " No payment received in XXXX '' " No payment received XXXX '' " XX/XX/XXXX {$49.00} '' " Partial '' " Hardship program started XX/XX/XXXX '' " I can not see amount agreed program because it was charged off '' Experian gave me a copy of my credit report on XX/XX/XXXX ( Report numbeXXXX XXXX ) On this report, XXXX XXXX reported to Experian : " 30 days past due '' -XX/XX/XXXX " 30 days past due '' -XX/XX/XXXX " 60 days past due '' -XX/XX/XXXX" 30 days past due '' -XX/XX/XXXX " 60 days past due '' -XX/XX/XXXX " 120 days past due ''XX/XX/XXXX " 150 days past due '' -XX/XX/XXXX " 180 days past due '' -XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The following companies have violated my rights : Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$9900.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$170.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$680.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$540.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED XXXX U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 received a summons from Rausch Sturm on XX/XX/23 without prior warning that they would take legal action. I have not been able to contact their office with the phone numbers provided in their correspondence. The call gets dropped whenever I attempt to call them. Im able to get through but the call always gets disconnected after selecting the option to continue in English. 
My phone number is incorrect on their website and the only way to update is by phone. 
I tried calling them on XX/XX/23 and submitted a call back request with a good number on their website. I attempted to call again on XXXX, XXXX, and XXXX. I also submitted call back requests on XXXX, XXXX and XXXX on their website. 
On XX/XX/23 at XXXX XXXX, I went to their physical office located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX but no one appeared to be in the office as the lights were off. There was a notice on the door with the same number ( XXXX ) the calls were disconnected from. 
I only have 20 days to respond to this summons but I am unable to contact them to discuss my account.
Product: Debt collection

I had a bundled internet, cable and phone deal using XXXX for phone and internet and XXXX XXXX XXXX ( XXXX ) for cable. Upon canceling the service, I received a final bill for all services and wrote the check directly to XXXX, as normal. In a couple months, I received a 30 day past due notice from XXXX XXXX XXXX saying my final payment of {$210.00} was not received. I called them and XXXX to complain and was told it would be rectified. More than a year later, a collection notice was put on my credit report for {$210.00}. I disputed the account and the debt was removed from my reports. About a year later, the same {$210.00} collection was put on my report, this time with a new collection agency. I called XXXX XXXX XXXX and they agreed it was likely XXXX 's fault and removed the collection. Now, I again have the same {$210.00} collection added to my account. This time I called XXXX XXXX XXXX and they now refuse to remove it until and unless I provide proof I paid it ( or have XXXX prove they forwarded the payment to them ). This account was paid out of a Sovereign account that has been closed for over 2 yrs and has been successfully disputed twice ( soon to be three times XXXX. I am at my wit 's end with these people. I have never received any collection calls from XXXX, but they obviously did not pay XXXX XXXX XXXX.
Product: Vehicle loan or lease

I financed the vehicle with Bridgecrest Auto XXXX. I make all of the payments online. In XX/XX/XXXX and XX/XX/XXXX they drafted the wrong amount from account, lower than the actual payment. I contacted them regarding this and they said it would be re-drafted to make up the difference and there would be no affect on my credit. This did not happen and it is showing up as two late payments on my credit. I have paid the less then {$100.00} they forgot to take out out as soon as figured their rep lied to me. This was there fault and they are damaging my credit.
Product: Checking or savings account

On XX/XX/2020 I had over XXXX in my account I kept getting charged a {$35.00} fee then started getting charged a {$500.00} holding fee which I never understood. I would log in to check my balance and it would show XXXX for a return holding fee that was tooken from my account and was never returned they next day XX/XX/2020 I checked my account and had 2 - {$500.00} for a return fee regions was taking my money I ended up closing my account and never opened another regions I was told to dispute the transactions and I would recieve my money back its been almost 2 years and I never gotten a penny back over XXXX of hard earn money tooken from me from a bank that I thought I could trust.
Product: Credit card or prepaid card

I received an email today from American Express ( I have the XXXX XXXX American Express card ) stating they are switching my statements without my permission to paperless. It does state I can call or go online to change it back but I don't feel they should be able to just do this. The reason I have mailed statements for all my bills is that is how I pay them out of fear I would miss seeing paperless. I don't believe this is an ethical business practice and it should be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Dept of Education had been inaccurately reporting debts to my credit report. I disputed these accounts twice, once over a year ago and more recently this year. Each time the US Dept of Education affirmed they were reporting accurately. There are numerous reasons why each of these accounts MUST be deleted from my credit report immediately. Here is a list of all the US Dept of Education accounts being disputed : U S DEPT OF EDXXXX Account XXXX XXXX = {$590.00} Account # XXXX = {$3500.00} Account # XXXX = {$2100.00} Account # XXXX = {$340.00} Account # XXXX = {$1400.00} Account # XXXX = {$1400.00} Account # XXXX = {$1500.00} Account # XXXX = {$2900.00} Account # XXXX = {$2500.00} Account # XXXX = {$2500.00} Account # XXXX = {$4400.00} Account # XXXX = {$4500.00} Account # XXXX = {$630.00} Account # XXXX = {$2500.00} Account # XXXX = {$2500.00} Account # XXXX = {$2400.00} Account # XXXX = {$3900.00} Account # XXXX = {$1100.00} Account # XXXX = {$2500.00} Each account has been reported twice to my credit report therefore placing twice as much harm on my financial status. 
The wrong balance is being reported with each account MOST EGREGIOUS : Every account has been deliberately RE-AGED -Stating these accounts were opened on XX/XX/XXXX. This is inaccurate and NOT POSSIBLE as I Graduated college in XXXX. All these accounts were opened between XXXX XXXX and all over 7 years old therefore by law MUST be deleted. 
I will be attaching proof of when these accounts were opened, therefore proof all the accounts have been RE-AGED in a deliberate scheme to cause me harm. YES, I WILL BE FILING A LAWSUIT.
Product: Checking or savings account

On XX/XX/2020, I made two deposits between XXXX to XXXX at ATM which belongs to Chase brunch ( XXXX XXXX XXXX XXXX, XXXX WI ). I  first successfully deposited {$2000.00}, and then made second deposit around {$1400.00}. Then, the ATM had problem occurred and gave me one receipt that said the ATM had problem occurred and asked me to call a number to make deposit went through. 

I followed that instruction but Chase bank only located my first {$2000.00} deposit, and are not able to locate my second deposit. 

I were dealing with Chase bank in the past month and they insist they can not locate my second deposit, As a customer, what can I do or say?
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 and 15 USC 1601. XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US.C 1681 section 604 A Section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.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. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1601 ( a ) The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, and XXXX, the consumer reporting agencies, for multiple violations of the Fair Credit Reporting Act ( FCRA ) and related regulations. These violations pertain to unauthorized sharing of my private information, lack of consent, failure to inform me of my rights, inaccurate reporting, and inadequate maintenance of reasonable procedures. 

As per FCRA Section 602 ( a ), consumer reporting agencies have the duty to handle consumer information with fairness, impartiality, and respect for privacy. However, XXXX, XXXX, and XXXX have failed to fulfill these obligations by sharing my nonpublic personal information without my explicit consent, as mandated by 15 USC 6801.

Moreover, under FCRA Section 604 ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish consumer reports in accordance with written instructions from the consumer. However, the financial institutions - XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX BANK - along with XXXX, XXXX, and XXXX, have neither obtained my consent nor adhered to this requirement. 

Furthermore, FCRA Section 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to exercise nondisclosure options regarding the sharing of nonpublic personal information. However, the aforementioned financial institutions failed to provide me with an explanation of this right, thus denying me the opportunity to protect my privacy. 

Additionally, FCRA Section 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items in consumer reports without authorization. Yet, the inquiries from USAA FEDERAL SAVINGS BANK, XXXX XXXX XXXX, XXXX XXXX TX, XXXX on XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX NM, XXXX on XX/XX/XXXX and FIRST XXXX BANK, XXXX XXXX XXXX Texas XXXX, XXXX TX, XXXX on XX/XX/XXXX, are adverse items reported without my consent, constituting a violation of the law. I demand the immediate removal of these unauthorized accounts and inquiries from my credit report. 

Moreover, XXXX, XXXX, and XXXX have reported inaccurate, non-mailable, and non-receivable addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX NM, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NM, XXXX. I demand the removal of all variations of these addresses from my credit report. 

Furthermore, the XXXX XXXX XXXX  account ( XXXX for XXXX, XXXX for XXXX, and XXXX for XXXX ) XXXX opened on XX/XX/XXXX, is inaccurate and violates 20 U.S. Code 1232g ( b ). XXXX, XXXX, and XXXX are also failing to maintain reasonable procedures, as mandated by FCRA Section 1681e, resulting in inaccurate reporting.

I demand the immediate removal of these inaccurate accounts and any variations from my credit report. Additionally, under 12 CFR 1016.7, I am exercising my right to opt out of the inaccurate reporting services currently furnishing my credit report. 

Thank you for your attention to this matter. I anticipate a prompt investigation and resolution of this complaint.
Product: Credit card

Citi deleted XXXX Thank YOU pts earned from my AT & T Universal Reward s Card in 2015 without notifying me of expiration or Terms & Conditions. To the contrary a Citi phone rep told me the points would NOT expire as long as I maintained at least XXXX active Citi credit card via charges every year. In fact, I 've had multiple charges every month on an XXXX Citi credit card. Further, I never received notice my points would expire or did expire AND the ThankYou Rewards Terms & Condition do not state points expire due to not using the card earning ThankYou points. Yet the points expired and neither Citi credit card OR ThankYou supervisor would reinstate the points
Product: Credit card or prepaid card

XXXX XXXX charged the credit card 3 times for the same purchase XX/XX/XXXX - day of original transaction {$1500.00} and agreed upon amount XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XXXX  XXXX  credited the card one time after being contacted XX/XX/XXXX ( {$1500.00} ) CitiCard issued two conditional credits XX/XX/XXXX ( {$1500.00} ) XX/XX/XXXX ( {$1500.00} ) CitiCard reversed both conditional credits XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} Resulting in an overcharge of by {$1500.00} Several phone calls, letters, emails, and filing of disputes with CitiCard never cleared up the matter even though agents on the phone said this would be taken care of. Further invoked XXXX XXXX dispute resolution without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act 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 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: Mortgage

XXXX  : Truist Bank delaying release of escrow funds as well as overpayment of final mortgage payment. Truist Bank customer service & Loan Processing full of promises, excuses, and non-responses. Almost two ( 2 ) months and refund check not received. Original refund check ( if mailed ) still not received after six+ weeks. See attachments.

Escrow refund check mailed to the address of the house which we sold which is obviously wrong. I verbally tried to change the address to where we live now because once a Truist loan is paid-off I could not change the address electronically. I talked to customer service XX/XX/XXXX following Truist 's webpage direction, but now am being told Truist did not update to the correct date until XX/XX/XXXX. Truist employees are not following up as promised when they said they would help me resolve this. I offered reasonable options before I filed this complaint. 
I made an overpayment to protect my credit report of one mortgage payment. That was included in my " escrow refund check ''. I don't believe a mortgage overpayment is not normally part of escrow.

I understand the time allowed for a bank to process an escrow refund check is 20 days- is putting the 'wrong address ' and means to slow the process down? From direct experience, banks earn interest on 'overnight funds'/loans to other banks.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I switched to a Chase Freedom Unlimited cash back card thinking I would receive XXXX XXXX cash back on my purchases and to collect XXXX point per dollar for purchases using that card. After XXXX years and never seeing any credits to my accounts for the cash back I called to inquire. The representative said that the cash back is in the form of points. There no cash back unless I cash out the points which isn't worth much to make it worth it. I have to use the points on the chase portal to get the value out. I feel duped. I thought I had a great card instead I need take the time to shop around for a better cash back card.
Product: Credit card or prepaid card

On or about XXXX XXXX, 2017, American Express ( " AMEX/Furnisher of Credit '' ) prematurely, inaccurately, and unlawfully furnished negative information to consumer reporting agencies pertaining to my charge account. On or before XXXX XXXX, 2017, I ( " Consumer/Card member '' ) attempted to address the substantive legal issues raised, but AMEX failed to acknowledge and/or address my concerns. Under 15 U.S. Code 1681s2 et al., the Furnisher of Credit has a duty to acknowledge and respond to a dispute. To date, I have not received a response. <P/>The negative information furnished is premature because under 1681s2 et al., AMEX failed to issue notice prior to furnishing the negative information to the consumer reporting agencies. The negative information furnished is inaccurate because based on the agreement the account was in good standing. The negative information furnished is unlawfully because the notice required under 1681s2 et al., was not provided to the consumer prior to, or within 30 days after furnishing the negative information to the consumer reporting agencies. <P/>I suffer damages and costs including but not limited to : ( 1 ) adverse and/or negative recordation of inaccurate negative information furnished to the credit reporting agencies ; ( 2 ) diminished/lower credit scores ; ( 3 ) retaliatory APR increases ; ( 4 ) retaliatory lowering of credit lines/limits ; and ( 5 ) negative encroachment on my ability to borrow. I seek the immediate removal of any and all negative and/or adverse reporting of information to the credit reporting agencies concerning this account and/or reconciliation of any and all substantive issues raised.
<P/>
I declare this to be true and accurate, to the best of my knowledge, under the penalty of perjury.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXXXXXX Balance : {$7900.00}.
Product: Credit reporting

Submitted dispute of erroneous payment history on my mortgage account to TransUnion on XXXX/XXXX/2016, XXXX/XXXX/2016 & XXXX/XXXX/2016 with validation documention. Contacted my mortgage creditor, who in turn agree that the information for a deferred period where they are barred from reporting payment status because mortgage is under a government agency for a 9 month term. Mortgage creditor has contacted TransUnion in XXXX, XXXX & XXXX with request that the information reported is incorrect and to remove. TransUnion has failed to correct the information for six ( 6 ) months. I contacted TransUnion on XXXX/XXXX/2016 and was told my case is being handled by the Special Handling Dept. spoke with rep. & was told case being handling by Special Handling Dept. Supervisor, spoke with Supervisor and was told my case was being handled by Priority Dept. I was transferred to the Priority Dept. left a message and have not received a call back. I received my credit report from TransUnion dated XXXX/XXXX/2016 and the incorrect information is unchanged and there is not response to my dispute. Contact my mortgage creditor on XXXX/XXXX/2016 and was assured that they would honor my request to contact TransUnion " again '' and for me to give them a call back within 24 hours. 
The erroneous information was reported to all XXXX XXXX XXXX credit reporting agencies of which XXXX XXXX XXXX have duly made the corrections and removed the damaging reporting, TransUnion has not. I am attempt to obtain a auto loan and have been denied based on the incorrect reporting by TransUnion with their refusal to correct.