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

I was a long-time member of SUNTRUST BANK which just completed it's merger transition to TRUIST BANK. Since the final migration of my bank with TRUIST in XX/XX/2022 my TRUIST issued debit card is continually denied, which is my primary method accessing my funds for daily living, bill payment & rent. I have spent hours of my time with the customer support & fraud/security telephone reps with no resolution. I get vague responses like " we don't understand why it is not working..we re-set your debit card it is OK now ''. Afterwards the debit card is always declined at ATM 's and point-of-sales locations. 
To mitigate this problem I have tried to transfer my some of my checking funds to another bank in an account I rarely use. Of the 3 bank transfers I have submitted two have been stuck in the 'processing status ' for a week and the third was cancelled by TRUIST. 
Now I am having to take out a loan with my other bank just to to pay my rent & utilities because I can not access my funds in TRUIST. 
When I can reach TRUIST via phone, after hours of waiting, I get no resolution and I am passed from one rep to another until I eventually get cut off. 
I have almost $ 100K in my TRUIST accounts and I can not access a cent of it now.
Product: Checking or savings account

Capitol One has been experiencing " technical issues '' since XXXX  that include consumers not receiving their paychecks, payments still being processed, and over drafts beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED TO OPEN FRAUDULENT CREDIT CARDS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the  law.
Product: Credit card or prepaid card

For the past two months I have been late paying my credit card bill because when I try to make the payment I can not access them on line I have tried in three different computers and networks and the site times out. When you call them they make you pay a fee to pay your bill. It 's getting out of hand because this causes me a hardships with penalties and late fees. I have paperless billing now so I have no idea what is going on with my account. My credit is at risk, they need to have the site fixed and stop denying that it 's the user. There are people on the internet that is having the same issues. ppl I do n't know. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

REMOVE THESE INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

The FERPA protects my privacy and student educational records. I have never knowingly provided consent for any disclosure of my educational records and transaction history. I have demanded multiple times for the information from my student loans be safeguarded and opted out of written, nonwritten, verbal and non-verbal consent to share my information. I have been exposed on affiliate and 3rd party sites who should not have had the information shared with them. My personal transaction history after the loan has been sold off multiple times has been acquired by Transunion, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit report from Equifax for the last 9 months. I have also been trying to have unverified accounts removed. When I called Equifax they said that they were not able to verify my identity and I would need to submit a copy of my ID and Social Security card which I sent to them. I waited a month called back in and they said that they did not have it and I needed to resend it. I sent it back to them by mail and also by fax and got the same results. After repeating this process three or four times Equifax still would not send me an updated copy of my report and have not removed the unverified accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are fraudulents on my following accounts : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquires from following accounts are frauds 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
Product: Credit reporting or other personal consumer reports

ACCOUNTS THAT ARE NOT MINE ARE STILL REPORTING TO MY CREDIT PROFILE. THESE ACCOUNTS HAVE NOT BEEN VERIFIED. THESE ACCOUNTS WERE REMOVED AND HAVE BEEN REINSERTED ON MY CREDIT REPORT WHICH IS IN VIOLATION OF 15 USC 1681, I WAS NOT NOTIFIED WITHIN 5 BUSINESS DAYS OF ANY ACCOUNTS BEING PLACED BACK ON MY CREDIT REPORT. 

FURTHERMORE STILL REPORTING ACCOUNTS RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 THIS IS AN ONGOING ISSUE THATS SEVERLY IMPACTING MY ABILITY TO OBTAIN CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

I spent 6 months ( XXXX through XXXX of 2016 getting our bill/account corrected with XXXX. We were finally refunded over {$650.00} of excessive charges after continually calling and then working with a special department at XXXX. 6 months of my time. Our contract was ending that fall. 

Date : Fall of 2016 after all of the hardship we went through with XXXX, we switched to cheaper Military Plan on XXXX  during a special where they paid off any remaining balance on your contract to your provider ( which was XXXX ) and sent back the phones to the provider ( we turned in our phones and they were mailed back to XXXX ). We were present when they contacted XXXX and ended our contract. 

Amount Disputed : {$1300.00} This amount was put on to my credit report. I have submitted a dispute four times through XXXX. We do not owe anything to XXXX. Our account was current by us and paid in full by XXXX  to buy us out of contract to start up phone service with XXXX XXXX. Our contract was paid in full by XXXX when we switched providers. We are still with XXXX to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I contacted XXXX in regard to my student loans they service. My complaint was that the amounts that I am being billed for are not the amounts that were sent to the University I attended. The amounts that I am being billed for are higher than the amounts that I borrowed. Because the amounts are higher, I am paying more interest on these incorrect amounts. I mailed XXXX a certified letter to look into this problem and correct the inaccuracies. I received a letter back explaining how XXXX calculates interest. They also sent a copy of my promissory note. They did not research or correct my complaint. I then sent three more certified letters XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking for them to research and correct the errors. Again, each time they responded with a letter explaining how the interest is calculated. I have attached a ledger from each institution I attended and how much my student loan was for. I have also attached the ledger of what XXXX is billing me for. On each disbursement that XXXX is billing me for, the amount is more than what was borrowed. I have also attached the certified tracking numbers from the United States Postal Service showing where XXXX received my correspondence. XXXX also is billing me different fees that I never agreed upon paying. I requested the contract that indicated I would be responsible for these fees and XXXX has yet to provide the contract and the notification that these fees would be charged. Another issue that I have with Navient is that they have no record of my loan history from XX/XX/XXXX-XX/XX/XXXX but I am being billed for these years. XXXX has violated both the Fair Credit Reporting Act by reporting inaccurate information to the three credit bureaus ; they have also violated the Fair Debt Collection Practices Act by seeking collection of an unjustified amount and by not providing validation of the debt in the amounts they claim is owed.
Product: Credit card or prepaid card

Macy 's straight stalks me to shop because I am VIP I get offers daily when I go to utilize them then my orders are always canceled they gave me some cockamamie story about the system then after spending hours on the I am still not help then I have to go through the automatic. Today one of the overseas counter part block my number because I cussed him out after he said your the one calling me and you need me I don't need you, I said what the XXXX did you say you do need me in order to have a job. I was told by the fraud dept that they always honor the rewards points. They are also reporting to the credit bureau like I am maxed out and I am not It has been more than a week and they still have XXXX tied up in authorizations and they reported my limits wrong to the credit bureau as higher and the agent that got smart with me needs to be FIRED. YOUR OVERSEAS help do not care about Macy 's customers. I tried to get a credit limit increase no good. I need someone in power to call me or else I will be closing this acct.
Product: Debt collection

I have a paid off time share with XXXX XXXX XXXX  XXXX XXXX in XXXX XXXX NV Contract # XXXX / Owner ID # XXXX / Contract ID # XXXX I paid this off back in XX/XX/XXXX even paid extra for yearly maintenance fees, well I never heard from the maintenance department or anyone till I got a letter on XX/XX/XXXX from Continental Central Credit stating I owed {$3600.00} balance to XXXX XXXX XXXX XXXXXXXX XXXX. So I sent them a certified letter to dispute the debt balance since I knew I paid off my time share. Finally I got a letter a month and a half after from Continental Central Credit, with a statement or remittance slip that I owed maintenance fees from XX/XX/XXXX till XX/XX/XXXX for a total of {$2700.00} witch included {$190.00} in late fees..I contacted XXXX XXXX XXXX XXXXXXXX XXXX and spoke to a XXXX in Resort Accounting and gave her my contract id # XXXX, I advised her to why was I never notified this was past due, her response was " we notified you by e-mail every time it was due '' XXXX XXXXXXXX. I told her that was my wife 's e-mail and she has never gotten an e-mail from them. I also told her told her that was a violation of FDCPA, she said you have to call Continental and couldn't help me. Continental Is adding {$900.00} for collection and attorney fee. I feel this is a violation of FDCPA and FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with Transunion for some time now. Still to no avail, they have not helped me. There is an account on my credit profile, that has inaccurate information reporting. XXXX XXXX - XXXX. The date the account was opened is incorrect. 
The date of last activity is inaccurate. The high balance is inaccurate. The date of last payment is incorrect. The creditor is reporting different dates to all 3 credit bureaus. The creditor also keeps updating this account to prolong it being on my credit portfolio. I have sent multiple copies of proof that validates my dispute XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I submitted disputes regarding inaccurate information on my credit reports to [ list credit bureaus, e.g., XXXX, XXXX, TransUnion ]. Despite the required 30-day investigation period outlined under the Fair Credit Reporting Act ( FCRA ), I have not received any updates or resolutions as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX - XXXX o Incorrect account status o Included in bankruptcy XXXX. XXXX - XXXX o Incorrect balance/past due o Incorrect credit limit/high balance o Incorrect payment history o Account included in bankruptcy XXXX. XXXX  XXXX - XXXX o Incorrect payment history/rating o Incorrect credit limit/high balance o Included in bankruptcy XXXX. XXXX XXXX - XXXX XXXX Incorrect account status o Incorrect amounts ( other than balance/past due ) o Not a collection or charge-off o Included in bankruptcy XXXX. XXXX XXXX - XXXX o Included in bankruptcy XXXXXXXX XXXX XXXX - XXXX o Incorrect balance/past due o Incorrect credit limit/high balance o Incorrect payment history/rating o Account included in bankruptcy
Product: Credit card or prepaid card

**I was led to believe from the Navy Federal CU mobile app that my credit card payment was not 30 days past due. 

**On Friday XX/XX/2019 the Navy Federal CU mobile app showed my account being 28 days past due. 

**I made the Payment on Saturday XX/XX/2019 and the NavyFederal mobile app now showed the account as being 31 days past due. 

**I have screenshots showing Friday XX/XX/XXXX 28 days past due & then Sat XX/XX/XXXX 31 days past due being displayed on their mobile app. -- - Both screenshots are attached to this complaint -- - **To make matters worse they did not even use my payment date but the posting date of the payment which ended up being XX/XX/XXXX because of the XXXX XXXX holiday. 

**Now when checking my credit reports I have a 30 day past do negative annotation on this credit account. 

**I then made several calls to Navy Federal credit Union and spoke to 2 separate managers in the credit card department. Both explained to me that there was nothing that could be done about the negative mark ( 30days past due ) that was placed on my credit report. 

**I have been a member of Navy Federal Credit Union for 25 years since my enlistment in the XXXX XXXX . I have never had an issue and have always been treated fairly. I have had the credit card for about 2 years and have never made a late payment. 

**I would very much appreciate if the negative mark on my credit reports was removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact all of the creditors thats listed on my credit report asking for those hard inquiries to be removed because I did not apply for the accounts. I believe I have been fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in Freedom Debt Relief I have called them several times asking them to remove me from the program and they do not do so. Every time I call I get a different story. The last call was on XX/XX/2019 spoke to someone in leadership who told me that if they closed my account with them they would keep the {$1400.00} that is in my account. Because I owned them {$2900.00} from a settlement negotiation that they had done with XXXX XXXX this is not true the settlement was done by the Attorneys from XXXX XXXX XXXX XXXX. I am paying the settlement directly to XXXX XXXX Freedom Debt relief has not done anything with regard to XXXX XXXX. They currently pay for two settled accounts which they have already collected there fees and they refuse to cancel my account and refuse to return my money. I have any and all required documentation to this regard and they also record all conversations which can clearly proof what I am saying. I have the names and dates of all of the persons that I have spoken with in Freedom Debit Relief these calls and emails go back to XX/XX/2019 and they still have not done anything to resolve this issue.
Product: Credit reporting or other personal consumer reports

Last month i was made ware that several accounts on my credit report were open without me knowing. I contacted the credit bureaus and they gave me some steps to do. I disputed the items and they were verified as mine. I was suprised. So here i am again trying to resolve this
Product: Debt collection

An account was opened from XXXX XXXX  which is now be handled by Midland Credit Management. The account was opened on XX/XX/2019. The balance owed is {$470.00} I contacted them and told them it was a fraudulent account and I need it to be removed from my credit report. They said I only way is to pay the money and it would be removed in 4-5 months. This a identity fraud not sure if the account was opened online or in person I cant get any information. I disputed this several times.
Product: Credit reporting or other personal consumer reports

Credit Bureau XXXX XXXX : XXXX. The correct balance for XXXX XXXX account ending in # XXXX is {$6400.00} as of XX/XX/XXXX which is not what's stated on my report which has caused my score to decrease by XXXX points on TransUnion and by XXXX point on Experian which is causing me financial distress. I was closing on a mortgage loan on XX/XX/XXXX however, since my credit score has dramatically changed, my lender will not close until my score reverts back to XXXX. XXXX XXXX has agreed to complete an off-cycle update to the bureaus however, their process is taking too long which has severely delayed my loan closing timeline. Please update the card balance. 

XXXX. The correct balance for XXXX XXXX account ending in # XXXX is {$3400.00} as of XX/XX/XXXX which is not what's stated on my report which has caused my score to decrease by XXXX points on TransUnion and by XXXX point on Experian which is causing me financial distress. I was closing on a mortgage loan on XX/XX/XXXX however, since my credit score has dramatically changed, my lender will not close until my score reverts back to XXXX. XXXX XXXX has agreed to complete an off-cycle update to the bureaus however, their process is taking too long which has severely delayed my loan closing timeline. Please update the card balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent ComenityXXXX credit card company a Goodwill letter after being advised to do so by customer service. When I spoke to customer service I explained exactly what happened and she said that she could see exactly what I was talking about and that I definitely should dispute the report of the 30 day late payment on my credit report. She recommended I write a letter saying it was my fault and I was truly sorry for the mistake. She said I would have better luck pleading for forgiveness than challenging them. She said If I had any way to remove it myself, I would. I can see how unfair this is to you. I did what she said to do and wrote the letter. ( Although I had already filed disputes with all 3 credit bureaus with the actual facts and mistakes they made. Those disputes were denied. She said it was because I challenged them. So, I tried her way. It was still denied. I am unable to speak directly to anyone who has authority to make corrections on my account. I feel as if every customer service representative I speak with looks at the information and clearly sees the mistake, but theyre unable to change anything. Only the people who hide behind letters without any conversation with me are able to correct the mistake? They just deny my dispute with a generic letter. It is the one and only late payment on my credit report, ever. It is unfair. Ive put so much of my time into this, just for the sake of fairness. I doubt it hurts my credit score, but the point is that its that they made the mistake, not me. Its wrong. I feel very helpless and alone going up against a large company. I feel unheard, as if I dont matter. Ive filed multiple disputes over the years, they dont care.
Product: Credit card or prepaid card

I sent written notice to cancel my card. Fraudulent charges were made on the account, after cancellation. Avant refuses to remove the charges and continues charging me interest and fees on these fraud charges that, at one time, they said would be removed from my account. 

I tried resolving these issues on several occasions and have been given a run around by Avant, spending hours being transferred and calls dropped.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$6800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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. 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 XXXXXXXX XX/XX/XXXX
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.

List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.
Product: Money transfer, virtual currency, or money service

I'm a victim of the XXXX wire transfer scam. The amount I lost through US Bank was XXXX Euro.. Dates of the transfer : XX/XX/2019, amount : XXXX Euro XX/XX/2019, amount : XXXX Euro and XX/XX/2019, amount : XXXX Euro US Bank did the wire transfer without checking the credibility of the other bank which locate in XXXX, XXXX. 

When I found out the transfer was a scam, I recalled my wire and US Bank manager said I can't recall the wire because it's been wired. 

I went to US Bank directly to file this case and yet have no response from US Bank? 

Sincerely, XXXX