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

This is the second complaint I have been forced to file against TU but after continued attempts and repeated ignoring of this serious issue I feel it is necessary to file a stand-alone dispute regarding their mishandling of ADA regulations and the abuse of XXXX individuals. 

I have been attempting for over two months to submit documents to TU. The agency has blocked my online dispute center. 

When given this information instead of fixing the issue, they say said to fax or US mail the documents in. There is little doubt this is solely to make the process more difficult for me and to discourage me from opening more disputes as I am rightfully able to do - especially since I am the documented victim of XXXX and financial fraud.

Over the past two days this has continued, both on the phone and in the chat portal.

I am transferred repeatedly on the phone until " dropped '' and the chat simply states they are waiting to transfer me and leaves me sitting online with no response. 

I have informed the company not only am I legally XXXX, but I am the XXXX XXXX XXXX XXXX XXXX. I am fleeing a XXXX  XXXX situation and have had to relocate XXXX miles on a very limited XXXX income. The agencies actions and refusal to block information or take documents is jeopardizing our well being and ability to obtain housing. 

I made an official ADA request to submit the documents online on multiple occasions. I was told the agency " does not have an ADA department or who handles these issues '' and I would have to use the online portal- which they know is blocked totally and has been restricted for over two months.

The agency is aware I can not mail or fax the document, and according to yesterday 's chat the fax option has been removed and the ONLY manner to submit now is US mail or the portal. 

Thus, I am unable to address this issue as a XXXX XXXX. 

I was promised a call back on numerous occasions, and have asked a XXXX department ( which they claim to not have ) return my call for over two months.

NO ONE has called back to date.
Product: Credit card or prepaid card

1. On or around XX/XX/2019, I visited the US Bank website to request a quote for opening a new card with a balance transfer. 
2. After submitting my information for the quote, I was presented an offer that did not meet my needs and I declined by closing out of my web browser after the offer was presented. I did not accept the offer or indicate my acceptance. 
3. On XX/XX/XXXX, I received an email from US Bank welcoming me as a new credit card customer, along with the last 4 digits of a new card assigned to me. 
4. On XX/XX/XXXX, I received a new US Bank credit card in the US Mail, along with the standard new customer information. 

My concern is that I did not authorize this new card or accept the offer provided. US Bank should have never opened it in my name without my explicit consent and I did not authorize the hit against my credit report to open this line of credit. I want this corrected immediately.
Product: Checking or savings account

I received a letter from my bank  ( bank of America ) saying the y will be closing my  XXXX  business accounts in 51 days from the letter. No reason given. I have also tried to contact other banks and asked about opening new accounts and been told no they do n't handle my type of accounts. I own an   XXXX   XXXX  , so I have about  XXXX  atm machines located in various gas stations, bars, stores  ect.  I need the business account to get the ach deposits everyday and then I withdraw money to load back into the machines. This is a legal business and there are millions o f atm machines ac ross the country, most are privately owned like mine. How can banks refuse a legal business? I do n't know what to do and I 'm at risk of losing my house and everything in 50 days. This is not right.
Product: Credit reporting or other personal consumer reports

These are the accounts I have marked inaccurate : - XXXX XXXX XXXX ( {$320.00} ) - XXXX XXXX XXXX XXXX ( {$17000.00} ) - XXXX XXXX XXXX XXXX ( {$8300.00} )
Product: Credit reporting or other personal consumer reports

I am not liable for this debt ( s ) with XXXX XXXX XXXX as the original creditor, corporate offices located at XXXX XXXX XXXX, XXXX, MA XXXX. I do not have a contract with XXXX XXXX XXXX ( XXXX ) located at XXXX XXXX XXXX, XXXX, MA XXXX. They did not provide me with the original contract as I requested. The Items are listed as two separate accounts and amounts owed ( {$640.00} and {$160.00} with a partial acct # XXXX listed on one ) .These items were purchased by a third party debt collector. This account ( s ) must be deleted as the status is not justified in any way, appropriated for less than the amount alleged to be owed. How much did the collection company pay for this item ( s )? I don't know and neither does my credit report ( s ) reflect such amount. 

This is a clear violation of FCRA as this activity is not accurate, or complete.
Product: Mortgage

XXXX XXXX, 2017 and in receipt of a telephone call from XXXX XXXX XXXX at XXXX from WFHM . The call was a response from the previous documentation sent to the CFPB, which detailed the correct payment history, which WFHM omitted and left blank, knowing it existed. The information requested from WFHM, is as follows. 1 ) Proof of ALL payments made to the WFHM and not excluded ones. 2 ) Report my mortgage to the credit bureaus. 3 ) An apology letter of the excluded payments and why the chose to exclude payments that were clearly made. 4 ) ALL correspondence in letter form and not on a recorded line, or I have the right to record as well. 5 ) Compensation for the failure to disclose the correct payment history, costing me an opportunity to refinance. Additionally I 've just received notice today ( XXXX/XXXX/2017 ), that my savings account was depleted of funds and closed, by Wells Fargo Bank , NA. The representatives I spoke with today were, XXXX # XXXX and her superior on duty, XXXX ( Mediation Supervisor ). After stating the opening of fake accounts and unapplied funds to garner interest. The call was then escalated to XXXX, whom then took the information from me and forwarded said information to the appropriate departments.
Product: Vehicle loan or lease

purchased a car with XXXX using capital one financing ( got a preapproval for purchase ) found a car, signed all the documents, XXXX dollars down payment which is what the bank required. in the meantime, i had the new car for about a month and capital one reached out to me saying that they needed XXXX dollars and two days to provide the funds, which was not suffcient time for me. With that said since i had the car a month my application with capital one was set to expire. So, now i had to redo the application and of course i no longer could get a preapproval even though my credit score has not changed except it went down XXXX points. Not only did lose my trade in but they want me to return the car leaving me with no vehicle to get to work with. This has been a complete nightmare for me.
Product: Credit card or prepaid card

On or about XX/XX/2018, I purchased on XXXX a wheelchair ramp for {$240.00}. Upon delivery of the item by XXXX, I unpacked and tested the ramp by setting it up on my van and by walking up the ramp into the van. I found that the product lacked quality and fitness for use because at the center hinge point the ramp would give, causing a sense of instability. I called XXXX requesting authorization to return the item for Visa credit, but was told to call a third-party vendor of XXXX located in XXXX, CA. I did so and after explanation received authorization to return the ramp, which I repacked in the original box and sent by XXXX at my expense of about {$30.00}. The ramp was received in XXXX and the merchants did not enter a dispute. On XX/XX/2018, Bank of America posted a credit for {$240.00}. Inexplicably, however, on XX/XX/2018, BofA sent me a letter stating that I still disputed the charge I needed to sign and return the letter within 7 days. No merchant dispute information was sent with the letter. I did not read the letter soon enough and my monthly statement revealed that on XX/XX/2018, BofA reversed the credit. On XX/XX/2018, I faxed a letter to BofA requesting correction of the reversal, but my request was ignored. BofA caused me a forfeiture by setting up a false dispute when the merchants did not respond to my credit request.
Product: Money transfer, virtual currency, or money service

I was told my account would not allow me to do anything but transfer money or receive. Im not allowed to order anything, withdraw money from an atm, or use tap service when paying for anything I need.
Product: Debt collection

Approximately a year ago, I opened a Macy 's account and in the next few months purchased several items. In early XXXX 2016, I received a letter from the collections department stating that because they could n't contact me by phone, I might not be aware that my Macy 's American Express Card account was past due. ( Our mailing address has not changed in some 10 years. ) I called the number listed in the letter and explained to the agent that the account was past due because I had not received any monthly statements or bills and asked for an explanation. None was given, but the agent said that I would begin receiving monthly statements and that all late fees and interest charges would be credited back to the account. 

I finally received the XXXX thru XXXX statements in early XXXX, but the late fees and interest charges had not been credited and though monthly statements are now received regularly, not only have the late fees and interest charges not been removed as promised, but new ones are added each month. 

In mid XXXX we sent Macy 's a check for the merchandise that had been purchased and not returned. 

My husband and I have both spoken with various collection department agents and explained our position that we have paid for the merchandise and since I was told that the late fees and interest charges would be removed, we do not owe them any money. None will discuss why no statements were received until numerous late fees and interest charges had been added to the account or why those fees and charges have n't been removed as promised. 

The last of several letters I 've received since the initial one in XXXX, all urging me to call them to discuss getting my account " back on track '', arrived in early XXXX from Citibank via XXXX XXXX. Apparently the need to capture a phone number to use to harass us is important enough to use such silly gestures.
Product: Debt collection

On XX/XX/22 I received a pre-recorded message to my cellular telephone from ( XXXX ) XXXX. The voicemail message did not identify the company, any person or provide a callback number but only said " Please press one now to speak with a live representative. '' The caller ID displayed the telephone number and " Debt Collector '' I called the number displayed and the recording said CRMG and asked if I was calling about correspondence received from them. When I said no, it asked for me to spell my last name and give my date of birth. Upon providing these, the recording then stated my first name and that my balance was {$5900.00}. It did not state that they were debt collectors, that they were attempting collect a debt or that any information obtained would be used for that purpose. No information was provided about the nature of the alleged debt, the alleged creditor or any other information. The recording then asked if I wanted to pay. When I said no, I was not able to connect to an agent but was returned to the beginning process of the automated attendant. If I said yes, a recording gave only the option to pay by credit card and required a {$4.00} convenience fee but offered no other payment options. I checked online and located CRMG , LLC ( " Compattia Roccia Management Group , LLC ) at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX and called the telephone number on the web site ( XXXX ) XXXX and got the same recording. I have not received any written correspondence from these debt collectors. They have violated several provisions of the FDCPA and TCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, experian and XXXX  has accounts on my credit report thats not mine/fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA is reporting account number XXXX on my credit report and it should not be on there since I was apart of the Multi State AG Settlement.
Product: Checking or savings account

- XXXX XX/XX/XXXX I XXXX XXXX opened a checking and savings account with Suntrust bank ending in XXXX and XXXX. 

- XXXX XX/XX/XXXX {$100.00} transferred from XXXX XXXX XXXX XXXX checking account to Suntrust bank checking account ending in XXXX. 

- XXXX XX/XX/XXXX {$100.00} transferred from XXXX XXXX XXXX XXXX checking account to Suntrust savings account ending in XXXX. 

- XXXX XX/XX/XXXX {$5000.00} transferred from XXXX XXXX XXXX XXXX checking account to Suntrust bank checking account ending in XXXX. 

- XXXX XX/XX/XXXX {$2900.00} transferred from XXXX XXXX XXXX XXXX checking account to Suntrust bank checking account ending in XXXX. 

I made these deposits from my primary checking account I have with XXXX XXXX via online transfer to Suntrust bank checking account ( XXXX ) and savings account ( XXXX ). On XX/XX/XXXX my Suntrust bank accounts ending in XXXX and XXXX were frozen with no explanation leaving me no access to the funds in my accounts. I have called Suntrusts bank customer care call center numerous times and spoke to several staff representatives all to be told that they can not provide me with any additional information except that my account is frozen and set to be closed. I have also reached out to the branch manager of Suntrust bank XXXX XXXX MD location ( XXXX XXXX ) only to be told I will be receiving a letter in the mail pertaining to this matter and that she can not provide me with any further details. Throughout my attempt to rightfully gain access to my funds I have been cut short and hung up on multiple times by Suntrust bank call center. I still have yet to receive a letter in the mail from Suntrust bank with any details or contact information to a department that can assist me in the releasing of my funds. Now on this day XX/XX/XXXX I am out of {$8100.00} during this Covid19 pandemic when survival is most questionable and scariest. I at the moment have no income, job, or unemployment assistance due to Covid19. This unforeseen circumstance has greatly impacted my ability to function and survive. Unfortunately no one at Suntrust bank seems to be willing to help me obtain what is already mine. My Money! 

- XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove the fraudulent item from my credit report.
Product: Bank account or service

I opened a small business account two years ago. At the time it was never explained to me that I had to opt in to not allow overdraft of my account. My company was a small operation and I was nave, thinking banking products were similar to personal banking products. I was switching banks and made it known to TD Bank, well one day my account went to - {$6.00} and they continued to allow small purchases ( {$5.00}, {$7.00}, etc ) so that they could then hit me with {$170.00} in overdraft fees. They would not refund these fees because they were not banking errors, even though other banks do it. The manager on duty told me that as a businessman I should have kept better track of my account. She pointed to my phone and told me that I had the mobile app and should have kept better track. She was rude and if I had not been leaving the bank I definitely would after that.
Product: Credit reporting or other personal consumer reports

My account with those XXXX never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, Ink ) due to inadequate customer service and unfair practices which violate the Consumer Financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and efficient efforts to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Due to family medical issues I did not make monthly mortgage payments for about a year. Recently, I was able to find a buyer on the home and the only thing delaying the closing is the payoff statement. Twice the bank provided an expired payoff statement, which I can not use. I called the Bank 's attorney and the direct me to the Bank. I call the Bank and they direct me to the attorney. I would think not being paid for a year, the Bank would be eager to get its money.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX  XXXX Account Dear CFPB, I am writing to dispute inaccuracies in the reporting of my XXXX XXXX account ( Account # : XXXX ) on my credit report. This is my second dispute regarding this issue, as no changes have been made since my initial request submitted on XX/XX/XXXX. 
Details of the Disputed Account Account Number : XXXX Account Type : Revolving ( Credit Card ) Account Status : Paid Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Balance : {$0.00} Payment Status : Late 30 Days Last Reported : XX/XX/XXXX Disputed Late Payments I have identified XXXX late payments being inaccurately reported for this account : XX/XX/XXXX XX/XX/XXXX These payments were made on time. I request that Experian correct this error and update the account status to " Paid As Agreed Never Late. '' Request for Investigation and Documentation Pursuant to the FCRA, 15 USC 1681i ( a ) ( 7 ), I kindly request : A description of the investigation process used to verify this accounts information. 
Documentation supporting the reporting of late payments. 
If Experian can not provide verifiable proof of these late payments, I expect the account to be corrected promptly. 
Attachments For verification purposes, I have included : A copy of my government-issued ID. 
A copy of my Social Security card. 
Proof of my address. 
A copy of my current credit report showing the account in question. 
Thank you for your attention to this matter. Please respond within the legally required 30-day timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged me for liability insurance ( {$270.00} ) on a HELOC ( acct # XXXX originated by BB & T bank XXXX now Truist ) that has had a XXXX balance since it was paid in full in XX/XX/XXXX. This is on a property at XXXX XXXX XXXX XXXX, SC XXXX that I sold in XX/XX/XXXX. 
I dealt with XXXX XXXX XXXX at my local Truist branch in XXXX Fl. After more than two weeks of trying to get the charge removed, paying {$5.00} to close the HELOC and faxing proof to Truist showing that I did in fact sell the property no one has been able to help me. Everyone shunts me to someone else who is also unable to help. 
On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX complaint # XXXX ). I had a phone call from Truist that same day telling me a XXXX XXXX XXXX ( XXXX ) from Truist would call me with 15 business days. It is now XX/XX/XXXX and I have yet to hear from anyone. 
I want to close the HELOC since I no longer own the property, I do not want to pay {$270.00} for insurance on a loan against property I no longer own and I do not want this to go against my credit since I have not paid the premium. Please, somebody, help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching an affidavit for identity theft in regards to XXXX XXXX XXXX  XXXX  and an account that was opened fraudulently in my name with them, allegedly. I did NOT open an account with this company and I have submitted an affidavit to this affect. I attach the affidavit to this complaint and demand the item be deleted from my credit report.