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

https : //www.truist.com/checking/truist-one-banking/disclosures-and-fees Most Truist One Checking accounts start in Level 1 upon account opening and can begin increasing Levels following the first month. Thereafter, Truist One Checking levels are determined by the balance in your Truist One Portfolio ( Portfolio ). Your Portfolio includes all eligible Truist consumer deposit balances in your checking accounts, savings, Certificates of Deposit, IRAs and/or all investments through Truist Investments Services , Inc. where you are the primary or secondary account owner. For each of your accounts used in the Portfolio, we use the monthly average ledger balance. We then take the sum of all of these accounts to determine the Portfolio balance for the month. Each month, your Level is based on the highest Portfolio value of the three previous months.

Leveling up can occur on a monthly basis, but leveling down can only occur on a three-month basis. 

I opened this checking account in XX/XX/year>. 

Truist is in breach of contract.

My account was opened with a check deposit of ~ {$80000.00}. That made me a level 4 account.

The documents provided with the account and publicly posted on the website state that I can only level down 1 time every 3 months.

My account dropped from level 3 to level 1 a couple weeks ago. 

This is a direct breach of contract. Truist needs to adjust me account level to level 2, or I will file a lawsuit for breach of contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refer back to claim XXXX After XXXX closed XXXX long standing account, they denied me another credit card based on lack of XXXX score, I followed all the advise on getting a secure credit card from my bank, XXXX Preferred XXXX XXXX I had to loan myself {$10000.00} and open another credit card. They also said I should obtain XXXX credit cards, and use pay pal and other electronic paying methods to increase my XXXX score. 
Why does XXXX have all this power??? I'm XXXX XXXX XXXX, have always paid all my bills. I have money to buy whatever I want. Why do I have to juggle all this XXXX to increase a XXXX XXXX. Why doesn't my XXXXhistory of paying all bills in full for years count? And not owing money. WHY DOES THE XXXX GOVERNMENT ALLOW THESE SHARKS TO CONTROL OUR CREDIT? Why doesn't my record, plus my income and investments count? I've worked hard to simplify my life. All income is automatically sent to my XXXX electronically, the XXXX is linked to my XXXX investment company and all income and bills, including electronically/auto pay of my XXXX credit card. ( was only XXXX, now XXXX ) and my bills are auto paid by my XXXX card. Which is electronically paid by XXXX XXXX XXXX. My new credit card from XXXX is now limited to {$8000.00} which does hardly pays even XXXX cruise. My old account had a {$25000.00} limit. I'm fully retired can afford to travel, have assets in excess of a XXXX dollars yet I can not get credit. WHY IS XXXX AND THE GOVERNMENT RUINING MY RETIREMENT TRAVEL PLANS??? Why has the government given them that power.? 
I'm also being bombarded by every credit agency, via emails and in my mail offering in increase my credit and " offering '' me special deals. This has turned loose an avalanch of sharks and I hate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$870.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Checking or savings account

PNC bank first blocked and then closed my account without informing me about the reasons. My money in the account has not yet been returned. I've been trying to solve the problem for a year now, but the bank employees ignore me. After my complain to CFPB a certain XXXX XXXX from Executive Client Relations left her phone for resolving the problem. Ive been calling her for two weeks but she has a voicemail saying that she is out of office or I have to leave my phone number. She never replies my emails, never calls back. PNC bank deceives all the time. I think they have something to conceal and this XXXX XXXX doesnt work there anymore. It is just a fake phone number to make it look like they are ready to solve the problem.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX 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 ( MONTHS REPORTING LATE ) 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 EXPERIAN 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

They are credit inquiries showing up on my credit reports that should not be the as they are fraudulent XXXX, XXXX XXXX, XXXX XXXX, XXXX Please remove these at once if they are still one my report as inquiries as they are fraudulent
Product: Credit card

Service Finance Company , LLC. provides financing through XXXX XXXX. They set you up for automatic payments and fail to offer warnings or mail notifications that a window is passing ( except on the back side of statements in small print ) that you will be paying 27 % interest and thousands of dollars if you do not pay off the balance. This needs to be required to have a separate and special notice that you are about to be charged a large amount and predatory rates if you don't pay the balance and not obscure it on the back of a regular statement. 
I always pay my bills and my credit score is about XXXX, so taking a promotion with XXXX XXXX and allowing this company, Service Finance Company was a bad situation. 
my account number is account # XXXX, with Service Finance, I paid over {$2700.00} in penalties from this. I first complained about the process of notification and waited months for something in the mail, which they never sent. Now I am complaining about the interest rates and find that this is predatory.
Product: Money transfer, virtual currency, or money service

I initiated a {$2000.00} money transfer to a friend through my bank 's XXXX system. It said they couldn't send it, and I was told to call them to resolve the issue. I called them and after answering all of their many questions to authenticate me, they asked me to provide them with a cell phone number so they could send me a text message. I have no cell phone, and providing them with a cell phone number if I had one makes no sense because that wouldn't be secure since they wouldn't be using a number already associated with my account. Because I couldn't provide them with a cell phone number, they claimed this made it so they couldn't authenticate me, and they told me they were freezing my account and that I would have to call back in a few days ( what would that accomplish? ). Because of this, in-flight checks I had made bounced and I could no longer use my debit card. All of my money was cut off from me. 

A few days later they emailed me telling me to call them, so I did. They asked me questions such as what was the money for and other infuriating questions. I told them I started the transfer, that I authorize the transfer, that it's my money, and that my friend needs it so I'm trying to send him it. They told me they'd continue investigating, and my account continued to be frozen. 

A few days later, they emailed me again telling me to call them again, so I did. They asked me even more questions, this time revealing the actual reason for all of it which was that because I was logged into their website from XXXX, they froze the transaction. I fully understand temporarily doing this from a security perspective to safeguard my own money and to make sure no one is trying to steal it, but when I call them and confirm with them that it's okay and that I authorized it and want the transaction to proceed, and they refuse to listen to me even after fully authenticating with them and answering a million security questions with them, that is crossing the line. They're holding my own money XXXX with no way to get access to it now and they have no physical branch locations for me to go to. This is a very authoritarian move. If this kind of behavior has been sanctioned by the U.S. government by law, whether this is the Patriot Act or other such unconstitutional laws, it should be struck down.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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, credit repair services, or other personal consumer reports

My information was used but not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts : - XXXX XXXX XXXX for {$870.00} - XXXX XXXX XXXX XXXX In - {$360.00} - XXXX, XXXX - {$220.00} - XXXX XXXX XXXX - {$1400.00} - XXXX - {$170.00} - XXXX XXXX - {$17000.00} - XXXX XXXX / ESA All accounts ( There are like XXXX of them )
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX on XX/XX/2022 for XXXX XXXX XXXX because the reporting agency did not have my consent to furnish this account on my report. I got the results on this report via their website on XX/XX/2022 the dispute results states that XXXX  reinvestigation of the dispute I recently submitted is now complete. The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. this is several violations because one the term " investigative consumer report '' according to 15 usc 1681a ( e ) means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. so if this information was " certified accurate '' or specific factual information it should not be on my consumer report. Also I called XXXX to find out more about the investigation and I was told that XXXX does NOT have any documents from the " creditor '' verifying this account including my consent to furnish this account on my consumer report. I was also told by XXXX over the phone that this item could not be deleted only disputed again and that they did NOT need my consent. They also claimed they did NOT have to do an investigation under the FCRA. I was also hung up on several times after being yelled at.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/XXXX
Product: Debt collection

Original debt to XXXX XXXX was approximately {$450.00}. {$250.00} for early termination fee and a 1 month bill. Jefferson Capital Systems XXXX XXXX. XXXX MN is claiming I owe over {$4000.00}. A representative I spoke to on XX/XX/2022 stated there were late fees of over {$3400.00} charged within a 6 month period.
Product: Credit reporting or other personal consumer reports

These 29 accounts and 9 inquiries that are reporting negatively on my TRANSUNION credit report ( PLEASE SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( SEE ATTACHED )
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

All calls were received today, Saturday, XX/XX/2020. First call was received at XXXX XXXX, immediately followed by another call which logged as XXXX XXXX also. Received a call at XXXX XXXX, immediately followed by another call at XXXX XXXX. The last call I received was at XXXX XXXX. I consider 5 calls before XXXX XXXX harassment. The two calls at XXXX XXXX are ridiculous not to mention frightening. Any calls at that time you automatically assume are bad news regarding family members. The one call that I answered at XXXX had no answer. I have a screenshot of the phone log if needed.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022 I sent a request for the debt validation for this company National Credit Audit in regards to the alleged debt, on XX/XX/2022 National Credit Audit sent back the debt validation by CFPB for someone with a name slightly similar to mine but not mine. Please review the attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re:XXXX I have contacted Carrington in regards to properly reporting my account and was promised it would be corrected. As of XX/XX/XXXX this has not yet been done with any of the major credit bureaus : A ) I have 3 HARD Inquiries from XXXX done between XX/XX/XXXX and XX/XX/XXXX when only ONE was needed and per Underwriting ( Mr.XXXX ) should have been done.This has had and currently having a deleterious effect on my report. 

B ) Also, as of XX/XX/XXXX CMS is reporting I am 120-149 days late. This is ludicrous since the account is a brand new Modified Account with final documents just signed off on and I have made every single payment on time per FHA Guidelines and in agreement with CMS. 

The above two needs to be corrected as soon as possible as its putting an undue hardship on me financially, not allowing me to gain credit and significantly harming my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive any investigation on the dispute. 

I do not know this company`s. I have never done any business with this company`s. These company`s does not have a contract with my signature. 

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 XXXXXX/XX/XXXX
Product: Debt collection

I have spoke with Consumer Portfolio Services corporate and sent in 1099 that their company has accepted and sent back to me via mail. The accounts are still showing although the debt is discharged. The company claims they did not discharge the debt and that I am still liable although I have provided all necessary documentation as well as sent it to the companies indentured trustee who is also not responding. I have sent a letter to the indentured trustee with this information also. The IRS has accepted the 1099 and CPS actually sent me the copy B to the 1099 form, not the IRS. CPS is stating they did not send that. This is stated on a recorded phone call with a manager of corporate. Please forward this 1099 to the indentured trustee of CPS per your Sec.gov filings and ensure my account is updated.

I have also called and emailed several VP 'S and the CEO of this company with no responses. This is unacceptable.

Thanks to this situation. My XXXX which I have been free from for 3 years have started again from the stress of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES FOR INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. NEVER RECEIVE ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I ALSO FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDITR BUREAUS AND STILL HAVE NOT RECEIVE ANY MESSAGES. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding sales handling of disputes, particularly a light of the recent CFPB lawsuit, highlighting significant issues with the platform despite using their numerous times and reporting discrepancies. My financial institution is a fail to investigate my client adequately they informed me that recovering loss was impossible, and the tracking needs transaction was unfeasible. At this point They must feel they are above the law.The CFPBs finding indicate that there has not only neglected to protect consumers, but has also allow repeat to finish to exploit the system, leaving users vulnerable to scams. This wasnt fair to me and isnt fair to me.
Product: Money transfer, virtual currency, or money service

I apologize for the wall of text that follows... I tried formatting it with plenty of paragraph breaks, but they all seem to be removed by your system. Anyway : I have an account with PayPal , Inc, and unfortunately found myself with a cash balance of {$270.00} in this account that I needed to withdraw.

For whatever reason, PayPal 's system would not allow me to add my bank account for electronic transfer, so I chose the only remaining option, a check by mail, and even paid an extra {$1.00} fee for this service.

PayPal issued the check on XX/XX/XXXX. On XX/XX/XXXX, I informed them that it still hasn't arrived, and was told that I needed to wait a minimum of 14 business days before they would do anything about it. 

On XX/XX/XXXX, the check was fraudulently cashed by an unknown third party. However, we don't learn that until nearly a month later, because : On XX/XX/XXXX, I contact them again. This time, they offer to stop payment on the check, to which I agree immediately. I am told to expect an email within 3-5 business days and that the rep will " personally '' follow up. None of that ever happens. 

On XX/XX/XXXX, I contact them yet again and am finally told that the check has already been cashed. After some back and forth where they repeatedly insist that I check with my " friends and family '' about the missing check, I am even provided with a copy of the canceled check ( which does not even purport to have my signature on it -- only " pay to the order of <thief> '' and the thief 's signature ). They try to wash their hands of the whole thing, but I insist that they merely inform their bank ( XXXX XXXX ) about the fraud. I am told I need to fill out a so-called " Fraudulent Endorsement Claim Form, '' and that I will hear back about it in " less than 28 hours. '' On XX/XX/1948 hours later, I ask them about this form and am told " nothing to worry '' ( this phrase appears twice in the single message ), they are working on it. On XX/XX/XXXX, I contact them again, and am now being told there is nothing more they will do, and that I need to contact the receiving bank ( XXXX  XXXX -- an entity I have no relationship with whatsoever ). I reiterate that no, they need to inform their sending bank about the fraud ; they just keep insisting that I should somehow " contact '' XXXX XXXX, and refusing to budge on contacting XXXX XXXX themselves. 

To summarize, from my point of view, PayPal 's negligence and incompetence has : 1 ) Allowed the theft to take place in the first place, by doing nothing when I reported the missing check 4 days before it was fraudulently cashed ; 2 ) Subsequently allowed the theft to go undetected and unreported for a month, by both failing to notice that the check was already cashed when I inquired about it just 4 days after the fraud, and by failing -- despite emphatic promises to do so -- to follow up on this inquiry ; 3 ) Even now continued to impede any investigation or resolution by refusing to take the most basic step of reporting the fraud to their sending bank, for two weeks and counting.