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

Certified Mail Letter mailed, received and signed for by XXXX XXXX on XX/XX/XXXX, a representative of recipient of this letter and Banking Institution I wish to place a complaint on to facilitate closing my deceased parents ' bank accounts at this Branch ( formerly known as SunTrust Bank ) My last correspondence is as follows : Truist Bank of XXXX XXXX, Attn : Branch Manager or administrator, XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Re : SunTrust Accounts : XXXX, XXXX XXXX and XXXX ( Both Deceased in XXXX ) Former Florida Address : XXXX XXXX XXXX, XXXX XXXX Personal Money Rate Savings - XXXX and Truist XXXX - XXXX To Whom It May Concern : On XX/XX/XXXX, I sent a letter via XXXX XXXX Mail to the above address, also to the attention of the Bank Manager , and I have yet to receive a response from this letter, nor to my many voice messages and emails sent to XXXX XXXX XXXX who I initially spoke to with regard to the closing of the XXXX accounts referenced above per the Second Amended Order of Summary Administration ( copy enclosed ), following the directives of the Last Will and Testament of my parents, XXXX XXXX and XXXX XXXX XXXX customers of your bank when it was still SunTrust. 

It is unclear to me what is holding up the disbursement of the balances of the XXXX accounts to the beneficiaries named in the Order, namely : XXXX XXXX, XXXX XXXX and XXXX XXXX - all mailing addresses are also reflected in the Court Order. As a retired life-long secretary ( retired from a 20+ career as a secretary in a School District, with experience in Real Estate Banking and XXXX XXXX 5 years in hospitality as an administrative secretary - the XXXX XXXX, XXXX and the XXXX XXXX, NJ XXXX I am astonished with the unprofessional manner in which this delicate matter has been handled by Truist Bank. 

Im not sure if anyone at the Branch ( which was still SunTrust ) remembers my mom and dad, but they were an adorable couple and my father, true to his spirit, was the friendliest customer you could ever hope to meet. I am enclosing a photo of them with the hope that someone will recall them and how cute they were ( married 61 years when they passed away ) and take care of this for us. Its been quite challenging, to say the least, to settle their affairs when they both passed away suddenly and within XXXX weeks of XXXX another, all during XXXX XXXX, in the Spring/Summer of XXXX, as Im sure you can appreciate and imagine. It is my hope to have this final matter concluded by the end of this year. 

Again, I would appreciate it if someone from this bank branch would contact me via phone, text or email upon receipt of this letter. I really dont want to have to file a claim with the Florida XXXX XXXX XXXX XXXX XXXX however, upon our XXXX XXXX advice, we may have to if my efforts continue to be ignored. 

Sincerely, XXXX XXXX XXXX XXXX XXXX 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 have violated my constitutionally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C. 1681 SECTON 602A STATES THAT I HAVE A RIGHT TO PRIVACY. 

15 U.S.C. 1681 SECTION 604A SECTION 2. IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681C ( A ) ( 5 ) STATES THAT NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING AND OF THE FOLLOWING ITEMS OF ADVERSE INFORMATION, OTHER THAN RECORDS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C. 1681S2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Mortgage

In XXXX 2015 I started a loan modification process with Nationstar. 
Over the next few months I was never able to upload docs through their online portal. 
I started sending documents via e-mail. 
Over time they would ask for updated documents. 
They started asking for the same documents I already sent. 
This went on for a while and it started to look like they were not receiving the documents I was sending over and over. 
After a while I gave up sending documents via email and started faxing them but they were still telling me nothing was received. 
About 3 months into this process I was XXXX and spent 4 days in the hospital. 
This accident aggravated an already XXXX and I am having XXXX separate XXXX in the next 6 months. 
At one point one of the representatives told me " it looks like your updated documents were being thrown away thinking they were duplicates. 
Additionally they continued using a PO Box address that was closed 3 years ago. 
They said they sent me a letter of denial due to unreceived documents. 
They in fact had all documents requested. 
I never received a letter of denial and never got any notifications in the notification area on the internet portal. 
I had conversations over the phone and they never mentioned a letter of denial. 
They never notified me for lifting the foreclosure postponement I found out about the foreclosure postponement being lifted 30 minutes before the sale. 
I never got the chance to finish a loan modification because of nationstar 's ineptness. 
I have over 140 emails demonstrating this fact. 
By doing this they have denied my children an education and denied me any security in my older age.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I found an account in collection that I have no knowledge of. This was either a result of error or malpractice.
Product: Credit reporting

XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes due to multiple fraudulent credit inquiries. I contacted Equifax disputing the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date.
Product: Mortgage

I closed on my house in XX/XX/2015. At the time, I put down <20 %  and opted for lender paid PMI, which resulted in an additional .25 % being added to my interest rate for the life of the loan. 

Chase has been unable to accurately manage my escrow account, due in large part to the STAR credit program in New York and the timing of payments received from the state of New York and the receipt of tax bills from our various municipalities ( Village, Town and School ). 

I have repeatedly - over the course of the past 18 months - asked for them to remove JUST the escrow requirement. Not a reduction in rate, but simply giving me back the money in escrow and allowing me to manage tax and insurance payments myself. I'm asking to reduce Their response has been the same - that until your LTV reaches 80 % of the original appraised value we can not release the escrow. The fact that my home value has appreciated has not prevented them from sending me multiple solicitations to refinance, including a sentence stating I should " take advantage of the increased equity in my home ''. 

I just want to manage my finances and reduce Chase 's administrative overhead on my loan.This should not require 5+ attempts and multiple communications to achieve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute to Credit Bureau XX/XX/2022 to remove XXXX XXXX Bankruptcy. Credit Bureau provided response stating information was " verified '' XX/XX/XXXX & XXXXXXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I made XXXX transfers from my Comerica Direct Express account, to my bank XXXX XXXX or XXXX XXXX 

One was for {$100.00} and then {$780.00} moments later. Neither transfer has arrived despite posting to my direct Express account yesterday. My $ is lost in space somewhere. I called Direct Express customer service line at least 10 times yesterday and today, and each time the automated system hangs up on you due to " high call volume ''. 
I finally dug around the internet and contacted a representative from Comerica Bank. They could not provide a trace id for the two transactions. I asked why and was told that the transfer would take 5 business days. 
Let me assure you, nowhere in their online literature does it say it would take 5 days. In fact, it claims 2 to 3 days.

I have NO recourse. There is no trace id and I can not get through to customer service. 
I contacted their complaint line and made a complaint. I'm told someone will return my call within 72 hours. 72 HOURS. 
THIS $ $ THAT I TRANSFERRED IS ALL OF MY MONEY. IT IS MY MONTHLY SOCIAL SECURITY DEPOSIT. 

Now, in addition, my rent e-check bounced. I anticipated having the funds available today. At most tomorrow. 

Help me. Make them accountable. I am attaching the helpful phone # s I called in order to get an answer since their customer service line DOES NOT answer.
Product: Credit reporting or other personal consumer reports

i am not liable for this debt with ALLSTATE CREDIT BUREAU an do not have a contract with ALLSTATE CREDIT BUREAU, An they did not provide me with the original wet ink application like I asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX, and XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXXan email came to me demanding I pay {$3900.00} and this is absurd. I do not owe this and I've been working on my credit for 5 years and this is not mine nor do I owe this to anybody.
Product: Mortgage

In XXXX XXXX, my family experienced a hardship ; due to loss of income and illness. In XXXX XXXX, we applied for home retention services with Round Point Mortgage Servicing. After working odd and ends temp jobs, my husband found stable employment in XXXX XXXX. After sending in multiple duplicate documents, our modification package was deemed complete in XXXX XXXX. We were approved for a trial modification in XXXX XXXX, which required us to pay {$1200.00} for three months and upon completion we would receive a permanent modification in 30 days. We called once a week for 4 1/2 months, waiting to receive permanent modification documents ; the servicing was horrific! After writing an unanswered QWR and escalating calls to Supervisors ; we finally received permanent modification docs in XXXX XXXX. The payment was higher than our original mortgage note and brought us little to no relief. Besides the fact that out delinquency is now sitting in a second lien position with XXXX and we now on title, owe more on our mortgage than we did when we closed on our home back in XXXX XXXX. In XXXX XXXX, we received a letter informing us that our servicer would be changed to XXXX XXXX XXXX. We were happy with our new servicer and the amazing customer service we received. The downside was, that credit reporting would lapse for two months and we would n't have the opportunity to have positive mortgage credit rreporting for 60 more days. In XXXX XXXX, we received another letter advising that our mortgage was being transferred back to Round Point Mortgage effective XXXX XXXX, XXXX. This was devastating! Not only because our mortgage would be back in the hands on this incompetent servicer, but we would have yet another two month delay in positive mortgage credit reporting. We reached out to the Investor of our mortgage XXXX XXXX Mortgage, and the horrible treatment continued. We were told that our QWR was never a QWR, that any and all credit reporting issues were all our fault for becoming delinquent and that explanation for having our mortgage tossed back and forward between XXXX servicers was not necessary. Lastly, we were advised that our attorney had failed to reach out to them ( What attorney? We have no legal representation, neither have we ever claimed such. ) We take full responsibility for becoming delinquent on our mortgage. However, once monthly income was re-established we complied with everything our servicer and investor said. We have been paying our monthly mortgage since XXXX XXXX ( including the XXXX trial payments ). Due to careless, unfair, unprofessional, predatory servicing/lending ; our mortgage is still not affordable, we owe $ XXXX on our home, when our home sold for only XXXX, our credit reports only reflects XXXX out of the 14 months of consistant monthly payments we 've struggled to make and the Investor of our mortgage will not hold themselves or their servicer accountable for the poor and incompetent handling of our mortgage. Please help us! 

Sincerely, XXXX and XXXX XXXX
Product: Credit card or prepaid card

I made 5 charges on TWO separate CITI credit cards. They were for a cruise on XXXX XXXX beginning XX/XX/XXXX. 

XXXX. XX/XX/XXXX {$5300.00} ( card ending XXXX ) XXXX. XX/XX/XXXX {$10000.00} ( card ending XXXX XXXX. XX/XX/XXXX {$2900.00} ( card ending XXXX ) XXXX. XX/XX/XXXX {$1000.00} ( card ending XXXX ) XXXX. XX/XX/XXXX {$2600.00} ( card ending XXXX ) On XX/XX/XXXX I cancelled the cruise and disputed the charges. Shortly after XXXX XXXX went out of business. 

# XXXX was found in XXXXXXXX XXXX XXXX  on XX/XX/XXXX and I requested it be reviewed again. It is still pending. 
# XXXX was found in my favor on XX/XX/XXXX. The {$10000.00} is permanently off my account. 
# XXXX, # XXXX and # XXXX were all found in XXXX 's favor on XX/XX/XXXX and I must pay. I have requested they be reopened and they still show closed in XXXX 's favor. 

And by the way there were additional charges in XXXX cards and all were resolved quickly in my favor. 

XXXX XXXX has gone out of business and could not possibly deliver on what I purchased. 

CITI cards need to resolve this quickly. Please help!
Product: Credit card

This complaint relates to the Discover credit card pre-approval online website titled " Find My Offer ''. 
This site is deceptive and misleading consumers into taking the next step of submitting formal credit card applications. 
In my case, after submitting basic identifying information, such as name, address and the last XXXX digits of my ssn on their initial 'Find My Offer '' site, a soft pull was performed on my credit file. 
After a brief pause, while my credit was being checked, led to a new Web site popping up, informing me of " Your Personalized Offer '', along with " Here 's the card we found for you '', indicating the Discover It card. 
Well, needless to say, I was turned down, after submitting a lengthy formal application, along with disclosing the account numbers for XXXX of my other credit cards that I wished to have a balance transfer over to the new Discover It card that I was " Offered ''. 
I can accept a credit card denial, what I ca n't accept is misleading and deceptive marketing. The words " Offer '' is utilized multiple times along with the extremely deceptive " Your Personalized Offer ''. 
An " Offer '' is just that, an " Offer ''. Pretty straight forward language. 
This not only resulted in a hard pull on my credit report but, more importantly, the disclosure of other credit card account numbers which I hold. I would never have disclosed this information but for their language of " Your Personalized Offer ". 
After a review of Discover 's " Find My Offer '' website, you may very well agree with my assessment. Thank you.
Product: Credit reporting or other personal consumer reports

am exercising my right under the FCRA ( 15 U.S.C. 1692c ( c ) ) to request that XXXX cease and desist from communicating with any non-affiliated third-parties regarding my credit information. This cease and desist order is effective immediately upon receipt of this notice. 

Additionally, in accordance with the Metro 2 Credit Reporting Resource Guide, I am providing the following Metro 2 Compliance Codes to assist with the removal of the disputed accounts : Account Status Code : [ Metro 2 Account Status Code ] { 88 } Payment Rating : [ Metro 2 Payment Rating ] { 89 } Special Comment Code : [ Metro 2 Special Comment Code ] I expect XXXX and Experian also XXXX! to comply with the FCRA and take appropriate action to correct these inaccuracies promptly. Failure to do so may result in legal action and penalties as outlined in the FCRA, including but not limited to statutory damages. 
am writing to express my deep concerns regarding the credit report provided by XXXX, which contains false and inaccurate information. This information violates the Fair Credit Reporting Act ( FCRA ), and I request a thorough reinvestigation of these matters. I would like to highlight that XXXX did not provide any method of verification when this information was initially reported. 

Specifically, the following accounts on my credit report are disputed due to being false and inaccurate : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Inaccurate Information : [ COLLECTION AMOUNT ACCOUNT STATUS, Number of Times its Listed as Collection and Shows as Charged off ] [ XXXX XXXX, Account Number XXXX ] INACCURATE INFORMATION : [ Shows as a Collection x5 Months, Collection amount and Dates I believe that the reporting of this information by XXXX has violated the FCRA in the following ways : Failure to Provide a Method of Verification : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX or Experian and XXXX did not provide a method of verification for these disputed accounts when initially reporting them. 
False and Inaccurate Information : The information reported is false and inaccurate, which is a violation of 15 U.S.C. 1681e ( b ) that requires credit reporting agencies to ensure the maximum possible accuracy of the information contained in consumers ' credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX  XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Debt collection

I was checking my credit reports and came across this account that i have never seen before. Contacted company around XX/XX/2023, and was refused any information and or verification of this debt.
Product: Money transfer, virtual currency, or money service

There is no communication between the app and my bank! It is very important that the bank have communication with the app company.
Product: Credit card or prepaid card

Today is XX/XX/2022 and Ive been trying to make payments on credits card that I have with Comenity Bank for days and the systems are down and Im unable to make payments. When you call customer service its say the offices are closed until further notice.Due to these issues I will incur late fees at XXXX each due to a system outage.The online website says my accounts are closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to find help and each time I reach out my problem worsens. My student loans went into default during the pandemic. U.S. Dept of Education transferred my loans in XX/XX/XXXX ( while they were suspended during the Cares Act ). I was never told of this, until noticing my credit report took a major plunge. Since then, I have been flagged on my credit as no payment ( even though they are suspended due to the Cares Act ). 
I tried disputing with credit bureaus only to have my score lowered. I filed a complaint when I noticed my score dropped XXXX points due to student loan payments. When that didnt work, I filed a complaint with you regarding my student loans and everything that has been happening regarding them. The issue has worsened due to filing a complaint. Now, on my credit report, I am showing 80 missed payments for student loans from XX/XX/XXXX XX/XX/XXXX for four of the loans. 
My question is how is this possible. My loans currently are suspended with 0 % interest rate. How can 80 missed payments be legally put on my credit report if I am not required to make payments until after XX/XX/XXXX? 
Ever time I try to dispute, my credit score is more affected. 
I try calling to get original loan terms and a history of my payments and I never get help. I called today, XX/XX/XXXX, and was given a website XXXX  and was told I can see all my payment history. When I go to the website, it states none of my payment history is available currently. 
I also have screen shots attached showing my direct federal loans defaulted or not defaulted are eligible for 0 % interest, suspended payments if it states Dept of Ed is your servicer. They still show my servicer even though on my credit report it says they are not. 
What do I do, I am stuck? I want to hire an attorney, but because of cost, I am hesitated to take out of my XXXX to fund this. The amount of points student loans has deducted from my credit report since XX/XX/XXXX makes taking out a loan not likely in my future to pay for an attorney. I have dropped over 200 points within 6 months and student loans activity is always the reason. 
I am also a student and have been since XX/XX/XXXX. This issue has made my situation worse, due to the whole time during the pandemic student loans have prevented me from receiving any sort of loan due to reporting on my credit report.

I didnt think student loans could damage a students credit report while in school during the Cares Act. 80 missed payments have just destroyed any sort of credit repair and made any goal to repair my credit unreachable. 
I need this fixed immediately.