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

I informed Truist Bank that {$50.00} opening deposit was withdrawn upon opening the Truist One Checking account on XX/XX/24. Despite blocking my account within 2 days of opening on XX/XX/24, Truist did not send me my funds until 2+ months after, on XX/XX/24. This check was for the incorrect amount i.e. {$38.00}. I contacted Truist customer service multiple times to correct this but they were incompetent and unable/ unwilling to do so. This is a serious violation of customer trust as well as illegal. By CPFB and banking standards, Truist isn't allowed to keep even a single cent of my money since it is their fault that my account was closed. As I never got to use my account, they should have returned the funds right away, instead of holding onto it for 2+ months and then returning the incorrect amount. Any banking fees on this account should never have been charged since I was unable to access my account from the get go. This has tainted my view of Truist and I'll not be their customer and advise everyone else to stay away from them as well. 

I have attached documents that clearly show the {$50.00} opening deposit that was withdrawn as well as the email transcript with Truist that shows my attempt to restore the closed account and their unwillingness to do so.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report, I wanted to make sure everything is 100 % correct and accurate. Can you investigate the accounts listed below. 

XXXX XXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX, XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX, XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX XXXXXXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report. 

XXXX XXXX XXXX Reinvestigate the completeness of every piece of information its not accurate, please remove if from my credit report.
Product: Debt collection

I have contacted the company 3 times. Sent letters asking for proper validation of debt owing with my signature and they always send me some type of computer generated letter. The amount is for XXXX from back in 2017. According to law they need to send me documentation with my wer siganture proving this debt is mine. My husband was also told that this debt was his but yet the credit bureaus couldn't verify so it was deleted.
Product: Credit reporting or other personal consumer reports

Comenity Bank didnt provide the 1099C form for the account on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mosaic Solar pulled my credit report without my authorization.  Now they are trying to force me to accept a loan from them.  They also used forged documents.
Product: Credit card or prepaid card

I applied for a basic credit card to reestablish my credit after my bankruptcy. Over time I have built my credit up with Capital One. One day they sent me an email stating that Ive been a great customer and would like to offer me an upgrade of my current card. When you click the link it takes you to Capital One. This is where you can compare cards and offers. I switched my card from the basic one to the Venture One card that was no annual fee, spend XXXX in 3 months get XXXX bonus miles, and 0 interest for 12 months. So over XXXX I spent over the XXXX  and waiting for the rewards to show up on the next statement. To my surprise I didnt see the rewards or the interest savings. I called and they told me that its for NEW accounts only and not for upgrades. It is very misleading considering there was not a benefit for me to change at all. Based on my account history and restoring my credit, I have been very diligent with making sure there are no issues. I have screen shots of the email and screen shots of the card description. Its very misleading
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the fair credit reporting act, I am obligated to send a letter to my credit bureaus to dispute any incorrect information before taking any further action, which is what I did. I sent a letter to XXXX, XXXX, and Transunion stating that the information regarding a closed account being reported by XXXX XXXX is incorrect and misleading. XXXX has been reporting past due payments on a *closed account* since XXXX, XXXX. In addition to this XXXX is knowingly reporting false information to my credit bureaus since XXXX XXXX  in spite of having closed the credit card account and selling the balance to a debt collector by the name of XXXX XXXX XXXX. Per the fair credit reporting act, creditors can not report false information and it is unlawful for the aforementioned credit bureaus to allow said creditors to report false information. Per the letters I've sent documenting emails which show XXXX XXXX is in violation of the federal law, XXXX, XXXX, and Transition have decided that it isn't in their best interest to recognize the law and instead want to conspire with the creditor to ensure that the consumer ( me ) gets the short end of the stick. This will be my last and final attempt to reach a fair resolution with the credit bureaus before I pursue further legal action. XXXX XXXX has done a great deal of damage as result of reporting false information which has XXXX me out of getting a business credit card and getting approved for multiple loans. I will not tolerate this any longer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to dispute an inaccurate charge-off that appears on my credit report. According to 15 U.S.C. 1681i, as part of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate, and the credit reporting agency is required to conduct a reasonable reinvestigation to verify the accuracy of the disputed information.

Here is the relevant section of the law for your reference : 15 U.S.C. 1681i : This law mandates that credit reporting agencies must investigate and correct inaccurate or incomplete information on a consumers credit report within 30 days of receiving a dispute.

In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

This charge-off is inaccurate and is causing significant damage to my credit report and financial standing. Therefore, I kindly request that TransUnion conduct an investigation and remove the charge-off from my credit report.

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information.

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I had received an interest charge of {$48.00} which prompted me to call synchrony bank. I asked the person to remove the charge and inform me of how much I would need to pay monthly to avoid another interest payment. She informed that she could not remove the interest charge, as it was past 30 days. She informed that paying XXXX XXXX monthly would avoid further interest. Additionally, I requested that my statements be sent to me through mail I can avoid a " surprise '' interest charge. This month my statement arrived and showed interest cost of {$510.00}. I called immediately and was hung up twice by someone in what seemed to be out of county. Finally, I reached a person and he informed me that my promotion had ended, as it ran for a year, and that I was responsible to pay the remainder of the cost to avoid the penalty. I informed that my statement is confusing and does not specifically inform on the statement the date that interest will begin being accrued. I explained this to the customer representative and he did not provide an adequate response, as I still do not know where to find the information of what will need to be paid monthly to avoid paying interest fees. Ultimately, I paid the overall charge of XXXX, which was a burden but a better option than paying a high interest. Can you please help in forcing this company to provide a statement that is clear in informing when interest charges will begin accruing.
Product: Credit card

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : BARCLAYS BANK DELAWARE XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX promised to delete the COLLECTION from the credit upon payment. The account was settled on XX/XX/28 and the collection is still reporting on my credit. Please delete the collection in its entirety as promised Also ACIMA CREDIT was settled and yet the company didnt update the account as paid.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$480.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have submitted the required documents, including a letter from an advocacy group assisting me as a victim of human trafficking through debt bondage. This situation qualifies as trafficking under the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I respectfully request that you block this information from my credit report within four business days, as mandated by Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I urge the immediate removal of all related items and the deletion of any associated company information from TransUnion. 

Please proceed with removing the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfers

I had a business account with PayPal, which I used as a credit card processor and had a Debit Mastercard to access funds. My account had a negative balance on it, which is why they would keep any funds transferred on to that account. However, after a short time and without any notice sent to me, I was no longer allowed to login to my Paypal account. When I follow the website 's prompt to I contact them via email, their website requires me to login. Furthermore, because of this problem, I am unable to access my financial data for FY 2015 and any necessary documents or information for my tax filings.
Product: Debt collection

This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to my credit report I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately
Product: Payday loan, title loan, personal loan, or advance loan

I want to file a formal complaint against Financial Pacific Leasing dba Umpqua Bank XXXX XXXX for UNFAIR AND DECEPTIVE PRACTICES in Violation of Section XXXX of the Federal Trade Commission Act. 

On XX/XX/2023, I was at a trade show at the XXXX XXXX XXXX in XXXX, Florida. I agreed to purchase a XXXX XXXX XXXX XXXX  XXXX from a company called XXXX XXXX XXXX which is headquartered in XXXX, Ohio. The purchase price agreed was {$22000.00}. The salesperson offered financing and had me complete their company credit application. The application was completed under my company XXXX XXXX XXXX  and me XXXX XXXX as the personal guarantor for the loan. 

XXXX XXXX then forwarded my credit application to Financial Pacific Leasing dba Umpqua Bank XXXX XXXX who approved it. The Equipment Finance Agreement on the bottom of the first page indicates this is a Finance Agreement! I called them and asked for the finance fees and disclosures and they said it wasnt a finance, it was an Agreement. I asked them if this had to be disclosed by law because they are saying one thing but the finance agreement indicates otherwise! I asked what the fees are again and they said read the agreement and would not elaborate further.

The Agreement indicates XXXX  monthly payments of {$440.00} and an admin fee of {$230.00} and no totals of any nature. The total of the monthly payments is {$26000.00} which indicates a {$4700.00} in fees for this loan. The agreement did not disclose any finance fees and when asked they will not disclose that to me. In signing onto their website, it does not indicate any fees or details of the Loan/Agreement. I requested a payment history and was emailed it which indicates I have made RENTAL Payments! 

Additionally, they are charging me {$120.00} a month ( {$7700.00} = XXXX  months ) for insurance because they did not except my company insurance. I was never given insurance cost prior to the loan and they did not deny my current business insurance prior to my loan which would indicate I would have to do their insurance. 

All together in undisclosed finance fees/charges and forcing me to go with their insurance, I am told to pay {$12000.00} over what I agreed upon.
Product: Vehicle loan or lease

NMAC Finance has been an awesome company to finance with. I have been struggling for awhile and the Covid pandemic didn't make things better. NMAC allowed me to utilize my extension options as which, I have exhausted them all. I have not been able to pay my current payments of XX/XX/XXXX and XX/XX/XXXX, as which, I won't be able to make the XXXX payment until XX/XX/XXXX and the XX/XX/XXXX payment on XX/XX/XXXX. I am in the midst of transiting into a new job where I will be able to manage my finances better but won't be able to get to work if the car is repossessed. I am asking NMAC Finance to at least give me an opportunity to make these payments and get my account brought current through the new employer that will take effect on XX/XX/2021.
Product: Credit card or prepaid card

I have a serious complaint with XXXX XXXX company - I filed a fraud alert on XX/XX/2021 - they sent me a new card and advised they would open an investigation to refund my {$280.00} that was stolen from me because my card was compromised. I mailed their questionaire back in early XXXX one day after I received it. It is now XX/XX/XXXX. I have called several times and been placed on hold for over an hour every time. Today I was transferred to a level 2 helpdesk, Fraud, Customer service. I believe this is very unorganized, under employed organization. It has been 40 business days since I filed my fraud. After waiting for 1 hour and 20 mins today a woman named XXXX helped me and told me it takes 45 business days to complete the fraud complaint. There is no reason anyone should have to sit and listen to hold music for an hour and 20 mins. There should also be a way to email or reach XXXX other than only a telephone number. This is a card company who handles child support payments. It is completely unacceptable. I would like this company to be looked into and improvements made with regard to citizens money and the handling of it.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report and don't understand why. I routinely check my report, but this time, there were unexpected discrepancies. Refreshing my browser didn't help ; the inquiries remained. Please review the documents I sent thoroughly to resolve this issue once and for all.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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 XXXXXX/XX/year>
Product: Mortgage

On XXXX/XXXX/2017 was told that BSI is serving my account but they can not find it?
How do I PAY?
Loan Modification Info. requested??