23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

last spring i closed my Truist credit card. i went online to download my XXXX statements to help w my income tax return. My account was not listed -- just a XXXX XXXX savings account. 

I contacted Truist to get electronic access to my XXXX statements : FROM TRUIST XXXX : Account and Credit cards that have been closed will no longer show within the online banking, however I can put in a request to have those mailed to you. I do have to mention there is {$5.00} fee for each statement copy. The cost may also include a {$25.00} per hour research fee for retrieving older statements from storage. Or you can make the request to have them printed at your local branch. Would you like for me to proceed with ordering the statements?

The statements would have become unavailable after the credit card account closed.

HUH? as soon as the account was closed my statements were NO LONGER AVAILABLE? in the SAME tax year??

Im sure that was buried someplace in XXXX point font in my user agreement!! but this is crazy! im not asking for my records from XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I received a response from XXXX XXXX XXXX. They advised they were not going to delete the late payments from my account. They advised that they review their policies to make sure they're in compliance with consumer law. However, this is not the case. They are violating U.S. Code 1681a2. I am writing to dispute the accuracy of certain payment information on my credit report. Specifically, I am requesting that you delete all late payments from my credit report, as they fall under the exclusions listed in 15 U.S. Code 1681a2. 

According to the FCRA, payment history is excluded from credit reports, as it falls under the category of " transactions. '' Additionally, credit card utilization is excluded under the category of " experiences. '' Therefore, I am requesting that these payments be deleted from my credit report in accordance with my rights under the FCRA. 

If they don't want to follow U.S. Code 1681a2, I am writing to request the deletion of my account and all associated information from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609. 

I am requesting this deletion because I no longer wish to have an account with your company and I do not authorize the sharing of my information with any third party without my express consent. As such, I request that you delete all information related to me from your company 's database and cease reporting any of my information to any third party. 

I understand that under the FCRA, you have 30 days to investigate my request and respond to me in writing.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that I had some inquires that I did not recognize
Product: Mortgage

This is a continuation of CFPB case # XXXX. 
The problem has NOT been resolved. Still NOT getting monthly bill/statement. 5 months now. Have nothing to show how my money is being applied ( I send in extra ). 
XXXX I called see if statement for XX/XX/XXXX mailed ( my XX/XX/XXXX payment was received XX/XX/XXXX ). Sent to XXXX XXXX voice mail-no response. 
XXXX Called again talked with XXXX XXXX ( resolution team ). He stated bill was sent on XX/XX/XXXX. 
XX/XX/XXXX Called again ( no statement ) XXXX took an attitude and said she had no control over mail. 
XX/XX/XXXX Spoke to XXXX-Statement had been mailed on XXXX. Still no statement Until this XX/XX/XXXX ( when they changed their system ) had no problem receiving statements. WHY IS THIS STILL A PROBLEM?!!!! I want XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX statements showing how my money has been applied! I want my monthly bill/statement to physically arrive at my home AND in a timely fashion!!!!!! ENOUGH IS ENOUGH!!!!!!!!! THEy totally LIED in their response to me & the CFPB! XXXX also thought it was a huge joke to be reported to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this letter to have inaccurate information deleted that's reporting to Equifax, XXXX and XXXX. I've tried to have XXXX Bank and the credit bureaus to delete numerous 90 day late from XX/XX/XXXX to XX/XX/XXXX when my account was closed on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and the aftermath of this has left me with unauthorized activity involving my credit report. I recently disputed the activity and the credit agencies investigation came back verified. My question now is verified by whom, and when and how. What was the Method Of Verification. And in accordance with FCRA I'm requesting the details of the Method, or the following inquiries shall be removed immediately. The following inquiries are, 1 ) XXXX XXXX XXXX, ( XX/XX/XXXX ) ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX   XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX  ( XX/XX/XXXX ) 10 ) XXXX  ( XX/XX/XXXX ) 11 ) XXXX  ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXXXXXX # XXXX On XX/XX/2021 I requested the following from XXXX XXXX XXXXXXXX : Validation of debt, Method of verification and Assignment of debt for this account. They have place this account on my credit report without notification. If they believe they have notified me please provide " Certified Mail Receipt '' It's now XX/XX/2021. I have never received any of the requested documentation. Only a letter through the CFPB portal stating when notification was sent out, but there is no PROOF ( CFPB letter is attached ). In addition, They are in violation of my HIPPA Rights and FCRA it's been over 30 days since I have requested this information.

Please Reference CFPB file # XXXX for initial compliant directly with the company.
Product: Student loan

Navient has been raising the interest on the account to unethical amounts. I have been paying more than minimum payments since 2010, and have only reduced from the principal amount on my private loans by about {$400.00}. Their tactics are designed to keep you stuck and paying them your whole life. Preying on individuals who can't afford to pay off in lump sums or have good enough credit to refinance is a core problem with major finance companies. Another bubble is being created and companies like Navient are the catalyst.
Product: Debt collection

I noticed a decrease in my credit score from XXXX on XX/XX/XXXX and upon looking at why, it showed that a collection agency had filed against me. I called the Caine and Weiner debt agency and enquired about the account. Apparently I have been a victim of identity theft because it was an amount of {$280.00} that originated from XXXX for a XXXX XXXX, this account was opened in XXXX. I explained to them that I have never owned a XXXX XXXX or had an account with XXXX. I have been informed by XXXX  ( paid company to monitor my credit/personal information ) that my phone number has been seen on the dark web, and whoever used my information, may have used my phone number to get the information. They also had my driver 's license number.
Product: Debt collection

A THIRD DEBT COLLECTION AGENCY HAS APPEAR ON MY CREDIT REPORT ( XXXX & XXXX XXXX ) WHICH IS UNAUTHORIZED ACCOUNT.RECEIVABLES PERFORMANCE DEBT COLLECTION STATED I OWE {$370.00} TO XXXX XXXX WHICH WAS DELETED BACK IN XX/XX/XXXX DUE TO FRUADLENT ACCOUNT BY XXXX .THEY REQUEST THAT BOTH CREDIT REPORT COMPANY DELETE DUE UNFAIR LABOR PRACTICE AND IDENTITY THEFT.IN ACCORDANCE WITH FAIR DEBT COLLECTION PRACTICES ACT, I AM ASKING TO IMMEDIATELY STOP ALL COLLECTION ACTIVITES ABOUT THIS DEBT WHICH WAS FOUND FRAUDULET.XXXX   SHOW THIS DELETED ACCOUNT AGAIN AFTER IT WAS REMOVE THANKS TO XXXX XXXX XXXX HAD IT DISPUTE ACCOUNT NOT MINE.RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX , WA XXXX ... I FILE A DISPUTED WITH XXXX ALREAD WHICH CLAIM IT TAKE 30 DAY TO SETTLE.XXXX  XXXX XXXX & XXXX XXXX INVESTIGATED THIS CLAIMI AGAINST XXXX XX/XX/2018 FOUND ACCOUNT HISTORY NOT MINE.
Product: Credit reporting or other personal consumer reports

I have an account that paid off and I disputed it because it went into collections. I did all the necessary steps and didnt get any justice.Also I had XXXX late payment that was false from XXXX XXXX XXXX XXXX and service finance comp. I feel like someone didnt do there job and give XXXX a fair chance. And with that Im asking that these negatives be expunged from my credit report,
Product: Debt collection

Prior to the XXXX XXXX, I was current on all my debt. Due to the pandemic I began to default on my revolving debt and auto loan. Pursuant to the CARES Act, most of my creditors negotiated a settlement payment or provided a forbearance. CitiBank , N.A . choose to charge-off my account after XX/XX/year> and during the pandemic. Several years later, they sold the charged-off debt to XXXX XXXX XXXX XXXX 

In violation of Sec. IV subsection XXXX : CitiBank denied my request for relief pursuant to Sec. XXXX. 
In violation of Sec. IV subsection XXXX : XXXX XXXX XXXX is trying to collect on a debt that was charged-off during the pandemic after CitiBank refused to provide relief. The collection attempt and its reporting to the credit bureaus is in violation of the CARES Act. 

Additionally, XXXX XXXX XXXX has failed to provide evidence the debt belongs to me.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent account and inquires in my credit report ( XXXX XXXX  Date opened XXXX ) ( XXXX  XXXX XXXX XXXX opened XX/XX/XXXX ) ( XXXX  XXXX XXXX XX/XX/XXXX ) Please remove this fraudulent account and inquiers from my credit report. Thank You
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Debt collection

I 'm getting robo calls from a debt collector weekly since XXXX XXXX for a relation, XXXX XXXX. The automated voice says if I 'm not XXXX XXXX I should disconnect immediately. Well I 'm not XXXX XXXX and I 'm getting this voice mail every week and I need it to stop. I 've gotten a call on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have tried to block this call and it still keeps coming through. 

I have records of these calls through my voicemail transcription service. This is what the first 30 seconds says. 

" Hello this is a message for XXXX XXXX. If this is the wrong number please call XXXX to have it removed. If you 're not XXXX XXXX please disconnect immediately. XXXX you should listen to this message in private as it contains private information I 'll pause you can do so this is XXXX XXXX XXXX with Windom professionals a court ... ''
Product: Debt collection

I keep trying to let the the company 's know that I found my information on the dark web and they keep saying it's verified I would like to see all the original applications and build because none are mine Thanks XXXX
Product: Checking or savings account

On XX/XX/2022 i presented at Bank of America to deposit a check drawn in the Oklahoma XXXX XXXX office in the amount if {$3000.00}. When I presented I asked the Teller and her supervisor how long of a hold and was told until XX/XX/2022. This morning I logged in and the hold is until XX/XX/2022. Its XXXX and XXXX injured with a XXXX XXXX and BOA high jacks my funds and is dishonest about it as well. I spoke with BOA customer service who then connected me with XXXX ID XXXX she was rude condescending speaking down to me with XXXX empathy and no solution
Product: Credit reporting or other personal consumer reports

LVNV FUNDING has failed to validate that this account is reporting with maximum possible accuracy per the FCRA. Despite my several attempts through the credit bureaus and collection agencies to have this account validated, I have not received a response. I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found related to my credit profile and unverified accounts. 

How can a dispute be resolved if the customer disagrees? Who resolved the disputed account? No reasonable procedure was performed, and it is a violation of my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately. 

This company has violated FCRA 623 ( a ) ( b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed the account below ). 

605 ( c ) running of the reporting period has also been violated, as the date of last activity on this account is inaccurately reported. It should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account, further violating FDCPA 809 ( b ) per the FTC opinion.
Product: Checking or savings account

Wells Fargo deducted {$150000.00} in XX/XX/2017. 
Is from then that they don't give me my money from complaining and everything. 
They took in the last two months more than {$3000.00}
Product: Credit card

I received a credit monitoring alert letting me know someone had opened a PayPal Credit account using my information ( name, SSN, and birth date ). When I called PayPal Credit, they would not release any information about the account because the phone number, physical address, and email address did not match, but they did close the account and open a fraud investigation. Nonetheless, I want to know why this credit line was approved when the phone number and address to did not match what is on my credit file. I think PayPal Credit 's risk policies/account origination procedures need to be re-evaluated. This seems like an egregious error to me.
Product: Checking or savings account

I sent my wife money when we where on vacation through XXXX XXXX on XX/XX/XXXX and 2 months later my bank USAA allowed XXXX XXXX XXXXo take XXXX dollars from my account when USSA never had any part of and on top of that they took it with a point of sail of XXXX my daily limit at that time was XXXX and they never let me put anything on XXXX XXXX with out declining it first as fraud projection. I have worked with USAA for several months now even showed them proof of XXXX XXXX not returning are money, seems like all the ones I talk to understand and want to issue us the credit but then when its turned over to next in line they tell me we cant open the claim back up. I have asked several times for the name who authorized the theft of out money but no one will reveal the name so we can call authorities immediately, I have exhausted every attempt with USAA and they do not want to deal with me anymore
Product: Credit reporting

My credit report is showing that I owe XXXX ( student loans ) the entire balance of my student loan, {$2700.00}. The statement reads that I have not paid a cent of the money back. Payment was late from myself to XXXX, but now has been paid in full. I owe them {$0.00}. Any attempt to work this out with the loan company has not only been unsuccessful, but downright hostile. I made a mistake in being late, but ultimately owned the problem and repaid my debt. I just want my credit report to reflect the fact that I eventually paid them.
Product: Credit card or prepaid card

Bank of America processed a fraudulent online application for a new credit card using my stolen identity. I found out because XXXX notified me about new inquiries on my credit ratings. I also received an email from XXXX XXXX ( BOA ) telling me that there had been a change in my credit report. 

XX/XX/23 I emailed security @ bankofamerica asking for details quoting my rights according to the FACT Act and they ignored me. I emailed them 3 times and only when I informed them that I would submit a complaint to CFPB did I receive a phone call XX/XX/23 from XXXX XXXX advising me to phone the Fraud Application Dept at XXXX. He gave me the fraudulent claim number XXXX XXXX dated XX/XX/23. 

XXXX transferred me to XXXX, XXXX transferred me to ( sounded like XXXX ) who hung up on me.
Product: Debt collection

XXXX XXXX XXXX NEVER provided proof of notification of debt, proof of certified letter sent via mail to me. I need to see the proof. Proof of debt purchase, notification, proof that they acquired this debt, proof that they had 5 days according to law. Without proof they shall remove the trade line from any and all consumer reports. They must prove notice via certified or notarized documents.
Product: Student loan

I received a letter in XXXX of 2023 that my student loans were approved for a borrows defense. I should be receiving a refund of all money 's paid on my loans. I spoke with Ed financial and they told me I had a refund of {$3300.00} coming. My loans were {$60000.00}. I paid {$13000.00}. XXXX was written off in my XXXX 's defense. These amounts aren't adding up. They told me my check was sent to the US Treasury to be printed and sent to me on XX/XX/XXXX. Then I've spoken with at least 10 different people. I have first names and dates. Now I can't reach anybody by phone and they told me it should process soon and it is now XXXX. As an individual. Do I need to contact an attorney .... Doesn't seem like anybody 's here to help the consumer. Once they have your money. Nobody has to account for it. I think the next step is I'm going to reach out to a local news station and show them all the responses for all the people that aren't receiving their money from this company and see if it goes nationwide. What are these people doing with everybody 's money.
Product: Debt collection

I have been receiving calls and letters from a J Ritter law firm saying I owe a {$370.00} debt to XXXX XXXX University XXXXXXXX XXXX from 2017. I know nothing of this alleged debt and have received no notice of this from the school or bookstore or anyone else until now. I called the school and they informed me I have no pending balance and I would not have gotten my diploma or been allowed to graduate with an outstanding balance. The law firm was very confusing telling me that nobody was ever required to notify me of this and that they dont even know if the debt is valid but would get back to me. Im not sure if this is some sort of scam or scheme to get money.
Product: Credit reporting or other personal consumer reports

information incorrect from XXXX data breach items added need to be removed XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I got out of work last XXXX and got behind on the payments, I have since gone back to work and I am trying to get the loan caught up but they will not offer me any kind of assistance and have started to call me every 5 or 10 miuntes every day and have now started to harass my husband and family every few milnutes. its either XXXX or XXXX calling demanding a payment right then. I offered to let them know when I could get a payment in but was told I need to do it right now. Im really trying hard but I can do only so much and I do have other bills to pay also and trying to kwwp my house out of foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries appearing on my credit report
Product: Money transfer, virtual currency, or money service

On XXXX XXXX ; PayPal deposited a sum of {$3500.00} into my PayPal account. The money was accidentally transferred. PayPal took out {$100.00} depositing fee and then credited {$3500.00} back, causing insufficient funds in my palpal, and then tried to withdraw {$3500.00} from my checking account! They realized their mistake, and basically said oh well, not our fault!!! 

They credited back the {$100.00} to get my PayPal balance up to the refund amount, but will not return the funds to original party. 

I now have {$3500.00} of someone elses money in my account, plus a checking account ( XXXX XXXX XXXX locked! I cant refund money, cant get PayPal to stop hitting my accounts for their mistake, and XXXX XXXX  refuses to unlock my account! I have declined bills due to auto pay, and no access to my funds! 

This has been ongoing for 5 days now, getting the run around from bank to bank, with no Resolution.. 

1 ) Unlock my XXXX XXXX  account ( XXXX XXXX  ) 2 ) refund the money PayPal accidentally deposited 3 ) clear this matter quickly so I can re-instate my auto pay and direct deposit This would of never happened if PayPal followed a simple protocol 1 ). Before depositing, a verification of accepting the funds to prevent this from happening 2 ) not removing their fees on refunds or suspicious activities 3 ). Being able to stop direct withdrawals and reverse charges.
Product: Credit reporting or other personal consumer reports

I have contacted transunion twice with XXXX different dispute letters regarding a couple inquiries on my report & nobody has yet to response to me, sent dispute in a month ago & also sent my second dispute in XXXX weeks ago still no answer the inquiries I need to be disputed will be listed below XXXX  XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX SSN- XXXX
Product: Credit reporting or other personal consumer reports

The debt collector has repeatedly " refused '' to comply with governing law and has ignored all my previous letters to them. So I am engaging the CFPB in the process so that it can closely monitor whether or not the debt collector complies with the law this time or continues to refuse to comply by ignoring my request fro information I have a lawful right to request. The CFPB must do 2 things in my case : 1 ) compel the debt collector to produce the validating information - certifed mail receipt that it sent notice within the timeframe the law requires, and 2 ) be expedient this time. The debt collector eith has the information I'm requesting as valid proof, or it does not. It only takes 24-48 hours for them to respond to my request, given its nature, not 60 days. The debt collector can not skirt the law this time and I urge the CFPB to pay close attention to the behavior of the debt collector and be prepared to sanction and penalize them, ans I as well will pursue legal action, as their nonsense has gone on too long. A refusal to ignore the law, and not comply is a very seroius matter.
Product: Debt collection

On XXXX, 2019, I reached out to XXXX XXXX XXXX regarding an alleged debt XXXX XXXX is trying to collect for them. After several failed attempts of calling XXXX XXXX XXXX, I found out this company does not exist. I XXXX the business and I called every number that came up and every medical business I contacted stated they have not done any type of billing For this company. Since XXXX I have been disputing these debts with XXXX XXXX and all they sent me was a itemized statement that was drafted up by their company-XXXX XXXX. I asked for proof a dunning letter was sent out and received nothing besides the itemized statement that they drafted up. I also asked for validation of the alleged debt and received nothing besides the statement the drafted up.