23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I was told to email this email to notify them of a story that is going on right now. Rushcard XXXX of the leading prepaid debit card companies has been holding XXXX of its customers funds hostage since Sunday night. They reported an update to take place on Sunday night from XXXX to XXXX. It was then released that it would go until XXXX Monday. It is now XXXX on Tuesday and XXXX of customer like myself are without funding. I cant get into my online account because it says its locked, when you call the customer service line it hangs up or you sit on hold for hours on end to no reply, when you email or inbox them it does n't get a reply this is ripping people off. We have no XXXX to else to call no one else to email or inbox. I think the media needs to shed light on this situation. I am not able to make any bill payments, my payroll check has not be loaded to the card, and if you check any of their social media you will see a lot of people that are just like me. Please he lp bring this story to light so we can get something done. We are being bullied out of our funding that we work hard for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete this account and the inquires.
Product: Debt collection

I have disputed this account, because it is inaccurate, I have also requested validation of the debt. In communication with the XXXX   XXXX and XXXX, I made the process, having no results and return this account as verified, formally request, debt validation, instead XXXX   XXXX  responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Product: Money transfer, virtual currency, or money service

I live in XXXX. Due to the fact that I had a XXXX on the one hand, and the XXXX  situation on the other hand, it appears very unlikely that I shall be visiting the US in the near future. I therefore requested my bank in America ( Suntrust, now Truist ) to close my account and transfer the balance to my bank account in XXXX. The current balance ( as of today ) is US {$8.00}. 

I wrote to the bank on - XXXX XX/XX/2021 ( letter ) - XXXX XX/XX/2021 ( letter ) - XXXX XX/XX/2021 ( letter ) - XXXX XX/XX/2021 ( email ) - XXXX XX/XX/2021 ( email ) - XXXX XX/XX/2021 ( email ) - XXXX XX/XX/2021 ( letter ) I received a letter ( dated XXXX XX/XX/2021 ) from Suntrust on XXXX XX/XX/2021, stating that " We are unable to transfer funds to another financial institution ''. [ The comment of my banker in XXXX was " What nonsense, a transfer of funds is alwas to a financial institution! " ]. 

My account has still not been closed, the funds have still not been transferred and I have not heard anything more from Suntrust/Truist. 

A copy of the correspondence is attached. I have really tried my best. Any help from you would be much appreciated. 

Yours sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not properly investigate my complaint. The account I disputed was XXXX XXXX XXXX XXXX  listed on my trade line. I called the company and spoke with a representative who told me that the company had no knowledge of this account. With that being said, it should not be reporting to my TRADELINES. Transunion responded to my complaint stating that the item verified as reporting correctly.
Product: Credit card or prepaid card

On XX/XX/2022 I ordered a part from carid.com I placed the order for a car part for {$16.00} The order showed free shipping so the total charges on my screen came to {$16.00} when I receive the item the company charged me {$160.00} for shipping the item. 
I contacted the company and I contacted the credit card company ( Chase ) to dispute the shipping charges ( which was an extremely unfair amount ). The item weighs XXXX pound so even if they wanted to charge me something for shipping, {$160.00} is extremely high. 

Chase credited me for the {$160.00} and then on my XXXX statement they reversed the charge. And threw {$160.00} back onto my statement
Product: Credit card

On XX/XX/2017 I mailed a letter in response to my complaints & dissatisfaction with Macy 's customer service & other issues, to XXXX at Macy 's corporate office. I paid off the account the same day, because I did n't appreciate nor like XXXX " blame the customer '' response & " let 's pretend we do n't really know we have issues '' attitude. She is lying for the company to try to cover up what they all know & some more savvy customers such as myself already see coming - they 're failing at keeping customers coming to Macy 's & will financially fail & shutter their doors soon like many other failing retailers have in the last year! She did not honor my request to close the account nor send me confirmation to do so. I REFUSE to get on the phone with their horrible XXXX based customer service people who can barely XXXX. I had to call them yesterday against my will to find out if she 'd actually done what was asked of her, she did not. In fact the rep who answered did n't understand the question posed before her which required a simple yes or no answer. All I said was I want to verify if this account has been closed. She went to telling me everything I did n't ask her to do, including reciting her typical scripted response instead of saying " no the account has not been closed ''. It really was that simple. I berated her for not listening which is becoming a common problem in many companies & reminded her what my original question was. She hung up on me but to her own demise. Once she did the survey I agreed to take came on, I always agree to do them for this company because the service is so horrific. I rated her terribly as she deserved & hope she is fired. I 've been told by many reps in varying companies that 's what those surveys usually represent. The goal should be do your very best, be professional & kind & do n't XXXX off the customer. This woman did the opposite so I did her a solid by attempting to get her fired. I am all for draining the swamp at companies, that includes the top brass who do n't deserve jobs either. XXXX is on that list! She failed miserably at responding in a timely manner to my complaints filed with the XXXX and you, then tried to insult my intellect by insinuating that I had no clue how to use a PC or figure out online sites when I am on PCs all day at work and when I get home, take on line college courses & a host of other things. Obviously I know how to use a PC if I was able to go on this site & the BBB 's to file complaints about them! Duh! I left her a harsh phone message for which of course she also failed to respond which tells me she 's just sending out form letters because she has so many complaints coming in to her company. She should find another job where she can be more useful with a company that does n't have a ton of complaints & is n't failing. At this point my complaint is primarily about XXXX, their horrible customer service ( again ) & her inability to follow simple instructions to do what I asked her to do! This is the most shameful company I 've ever done business with!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I tried to negotiate this matter with Capital One and couldnt get a good english speaking agent to assist me. Ive spoke to collector in which this account was sold and they assured me the deletion upon payment from all parties. in XXXX of 2017 however still harassed by Capital One legal team to make payments months later although payments was made in full in XXXX 2017. Capital One is very disorganized and harmed my credit and failed to understand my situation with identity theft. my personal information was used to open an accounts as well as gain employment with Companies. after learning my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this accounts, and I therefore request that it be delete This account immediately. I also request that Capital One absolve the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all XXXX credit reporting agencies
Product: Checking or savings account

On XX/XX/XXXX I noticed an unauthorized charge to my chime debit card for XXXX in the amount of {$130.00}. Upon noticing I called immediately but was told to call back due to the transaction still showing pending. I called back once the transaction fully posted. They denied the claim and requested more proof that in fact it was fraud. I called XXXX XXXX on a conference call to confirm I had no business with then still denied my claim. Called again XX/XX/XXXX And spent over an hour speaking to a XXXX by the name XXXX who ensured that was an error and he would get it resolved and asked me to send him via email my phone log to show the calls, which was sent immediately only to be denied within minutes stating there is no issue.. the issue is its a fraudulent transaction over {$100.00} Please help
Product: Payday loan, title loan, or personal loan

Back in XXXX I contacted XXXX XXXX XXXX and told them that I needed temporary alarm system for an investment property. They told me that through them I could get this service and once my home was sold I could transfer the service to the new home owner. Today I contacted the Company and advised them that I wanted to transfer the service. They then advised me that I needed to contact Citizens Bank because Citizens Bank is going to require me to pay off the loan amount since the loan isn't transferable. I never dealt with Citizens Bank when I initially signed up for this. I also wasn't made aware that the loan wasn't transferrable and that I would be responsible for a loan on a temporary investment property. Citizens Bank was never in the picture nor was it clear to me that I was actually doing business with two different companies. This is extremely confusing to the average consumer and I want to cancel my service with both companies without being penalized for misleading and inaccurate information that was provided to me when I initially contacted XXXX to tell them what I needed in a product. Citizens loan id XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint XX/XX/XXXX and Equifax refused to respond saying they couldn't respond because they can't identify me. I need to write to them. I have been writing and emailing and calling. I will not keep doing that. I will add all my identifying information here so I can have proof of the actions that Equifax falls to take. 

My complaint : Back in XXXX, I filed two CFPB complaints about Equifax because my credit report was blank other than1 fraud that I had a police report for being a victim of identity theft. Equifax finally updated my account and removed the fraud account. Since then several updates have happened that didn't really cause concern little things. Now at the beginning of the year, XX/XX/XXXX Equifax has removed almost all of my accounts from my credit report. My credit report is showing that I have a credit history of 1-year which is completed inaccurate. Please see attachment that shows 13 accounts were removed from my credit report. Please also see that the fraud account for XXXX XXXX XXXX that Equifax told CFPB that was removed in XXXX was actually added back at some time and removed again with all my real account information. I went from a blank file with fraud information, to a somewhat completed file to a no history file. The credit reporting agency should report accurate information and it seems like Equifax is reporting anything it wants to report instead of the accurate information. Credit agencies should not be able to alter someone's credit history by just removing current and past credit accounts. 

Equifax generic response : Thank you for submitting your complaint on XX/XX/XXXX through the CFPB Complaint Portal. We have reviewed and considered the information you supplied through the Portal. It is our policy to take each complaint seriously and to respond to consumer complaints swiftly ; we have completed our internal investigation, and this complaint is being closed. The results are below : Equifax must obtain proper identification from the consumer before disclosing any information regarding his/her credit file. In order to properly address your concerns and update your credit file, please submit a copy of a utility bill reflecting your current address, a birth certificate along with a social security card showing the social security number to Equifax XXXXffice of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX. You may also contact us at XXXX to speak to a Customer Service My identifying information is attached. Now please explain why my credit information was removed. 

Documents address to confirm address and name : NC Government Issued Drivers License with current address Social Security Card XXXX W2 also showing name and address
Product: Debt or credit management

I'm trying to pay off debt, and so I looked up XXXX XXXX XXXX  to pay off {$69.00} debt, I got their information on XXXX app on my phone, I called the number on the website. The representative told me, hell make all of my debt disappear and off my credit score and I should have a XXXX XXXX XXXX within 60 days, if I pay {$190.00} fee and charged {$1.00} to start. I asked him if there is any other cost, he said no. He rushed into signing the contract while I was on the phone with him. After I signed the contract while on the phone, he told me I'll be charged {$24.00} one time, in 7 days. After getting off the phone, I looked at the contract and it says I'll be charged {$99.00} a month after they send out letters to credit bureaus tied to my debts. The representative lied to me over the phone and rushed me into signing a contract, I like my money back.
Product: Mortgage

Borrowed {$240000.00} to consolidate credit cards and mortgage loan ( # 1- {$220000.00} XXXX XXXX pay off # 2- {$12000.00} XXXX XXXX pay off and # 3- {$6700.00} XXXX card pay off. 
First American Title payed {$6000.00} or {$680.00} short for the XXXX card by mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I wrote a letter to all 3 credit bureaus in regards of items that I disagree with on my credit report after I pulled my report. I sent out my letter certified so I can keep track of all my documents because I know they have a certain time for responding to my letters. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is unfair that these credit bureaus are putting crazy items on my report like this.
Product: Credit reporting 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 a 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: Credit reporting or other personal consumer reports

" I am a victim of identity theft '' In the comments section, paste the following : " I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act, XXXX XXXX XXXXXXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX has violated my rights. 
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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Debt collection

XXXX card paid off in XXXX was sold years later to 3rd party claiming not paid off. Sent in papers proving this to all parties including credit reporting agencies. The debt was removed in XXXX by all bureaus after a thorough investigation, multiple faxes showing a letter from XXXX stating it was paid in full including attorney letter that we got involved. Now last few months, I and my wife 's phone are getting different 3rd party threatening phone calls with no paperwork mailed to me, no notices  whatsoever, just fake phone numbers that appear to be local, but are actually XXXX numbers. The latest was from MSK and Associates XXXX but the number showed up on my caller id as XXXX from XXXX Tn.We lost paperwork in the Hurricane Harvey, but proof is listed on all credit bureaus and with previous third party companies that I faxed all our papers to. So tired of these harassing companies illegally selling and passing our information from place to place on old, paid off, out of statutes of TN debt collecting laws. Please stop them.
Product: Checking or savings account

On the morning of XX/XX/year> I attempted to pay my moving company XXXXXXXX XXXX via XXXX on my Truist online banking app, my fianc and I recently moved to XXXX. Following this I was met with a notification that my XXXX transaction had been flagged for review. I wanted to unsure that my moving company was paid in a timely fashion so I called Truist on the number provided on the XXXX notification. Following this I spoke with a Truist representative and explained the situation and asked if we could review the transaction together to ensure that it went through. I provided this representative with all of the information she requested of my in order to prove my identify such as but not limited to my social security number and a secure text code she sent to my phone.

Following this she told me the computer algorithm had flagged the charge as fraudulent so she had locked my my account. Confused, I asked for clarification as to what this meant because I had literally been on the phone with her through the entire process and what did I now need to do in order to unlock the account. She told me repeatedly " the algorithm told me to lock your account. '' and then notified me the only way to unlock the account would be to physically go in person to a " local branch
'' to prove my identity. The closest Truist branch to
Chicago, Illinois is located in Louisville, Kentucky a ten hour round trip drive or a flight. I repeatedly explained that there was no local branch and she replied " visit the local branch. '' I had her look up the closest branch and she verified that yes the closest branch was in fact in another state and I was required to drive or fly their to fix it. I then escalated the situation and spoke to another representative who told me the same thing that the only way to unlock my account was to fly to Kentucky from XXXX and appear in person. 

My two accounts with Truist total greater than XXXXXXXX XXXX and this was triggered by attempting to pay my movers XXXX . Following my own personal attempts I contacted my attorney and called Truist back with my attorney on the line and spoke to a supervisor who again stated that because " the algorithm '' had flagged the one transaction as possible fraud I would be locked out of all online banking and ability to manage my funds until I appeared in person at a branch which would require a flight out of state. After discussing with my attorney I am certain this is illegal withholding of funds and we are currently pursuing litigation against Truist now, but I felt compelled to file this complaint in order to perhaps spare another unsuspecting person the pain I am currently enduring from Truist. I am attempting to withdraw my funds into my XXXX XXXX account by personal checks I have, but am unsure if this will work. In the meantime Truist continues to withhold over XXXX XXXX of my money and provides me with one option which is to fly to another state. Additionally I requested that the Truist supervisor provide me this in writing which they refused to do.

I appreciate any assistance in rectifying this issue. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a fraudulent inquiry was made on my behalf from XXXX XXXXXXXX the same incidents occurred on XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX