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

I went to SunTrust on XXXX XXXX in XXXX. I planned to open a joint checking/savings account. One of the credit reports was locked so I left and came back to the bank to finish it on XX/XX/XXXX. The bankers name is XXXX XXXX. 
I gave XXXX {$2000.00} in cash and a {$9000.00} cashiers check from XXXX, having closed an account and received a cashiers check. I received a receipt for the deposit. XXXX mentioned that cashier checks can be held for a few days. 
Id specifically mentioned that online access was very important. I established the online account Friday night, XX/XX/XXXX. I was able to log in to the account and access it. The next time I tried to sign on and every subsequent time I am told that it's unable to access site, as if its offline. 
I went back to the SunTrust branch where I was told the account was locked and the cashiers check was on hold. I told them that I just wanted to close the account. They said they had to do an investigation but refused to tell me anything about it. And I was unable to close the account. 
I tried calling Suntrust Customer Service and go through the SunTrust help desk a few times but kept getting kicked to the back of the queue or disconnected after 20-30 minutes on hold. 
The email 's I have received from Suntrust keep telling me to log on to my account to find out the status of my account, but I am unable to log on to my account since I appear to be locked out. 
I got a letter from SunTrust saying the cashiers check funds would be available XX/XX/XXXX. 
I got a phone call from SunTrust representative XXXX XXXX, Client Advocacy, who said that XXXX XXXX would be assigned as the case manager, and I would receive a call from her concerning the status of my account within 15 days. XXXX has not called. Then I received a letter from her saying she has tried to contact me but was unable to reach me, and the phone number to call her. I have called the phone number many times and even called XXXX XXXX back. I have the phone records. As of XX/XX/XXXX, I have called XXXX 10 times, XXXX twice. Never able to talk to anyone, always have to leave a message. Not once have I received anything from anyone. Silence. 
SunTrust has had my money for more than a month. They refuse to answer questions, refuse to say when my money will be returned to me. That no one will tell me what is going on and when I will get my money returned, this is just wrong. That I can't get anyone from Suntrust to talk to me about this is the most confusing and aggravating ordeal I have ever gone through.
Product: Mortgage

I received a notice from Wells Fargo that the escrow on my mortgage showed a projected shortage for the coming year in the amount of {$230.00} which requires an increase in my monthly mortgage payment. With my XX/XX/2021 mortgage payment of {$530.00}, I included {$230.00} and clearly indicated this money was to be applied to my escrow. I make my payments on-line. The form had individual lines for monthly payment, extra payment to be applied directly to principal, and extra payment to be applied directly to escrow where I listed the {$230.00} so it would go into escrow to make up the projected shortage. 

Instead of applying the {$230.00} to my escrow, Wells Fargo marked this payment as " Unapplied Funds '' and kept it as an " interest free loan '' to boost their bottom line. 

The new on-line payment form only has one payment line. It is impossible to make extra payments to the principal, or escrow, etc., and any money paid above your regular monthly payment is marked as " Unapplied Funds, '' which is an " interest free loan '' Wells Fargo can count as part of their " cash reserves. '' The mail-in payment form still includes lines for extra payments above the regular monthly payment to be applied to the principal for early payoff, escrow, late fees, etc., which can be conveniently misplaced so you get hit with a late payment fee since " Wells Fargo never received your check '' because the XXXX XXXX XXXX lost it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously contacted XXXX XXXX XXXX XXXX XXXXXXXX ) to file a billing error dispute reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX ) has moved these erroneous late payments on my credit report causing my credit score to drop significantly. 

These errors are not the same across the credit reporting bureaus, and have cost me denials on gaining any type of credit, I can not even refinance my home because of this. 
XXXX XXXX XXXX XXXX XXXX ) has violated my consumer rights! 

15 U.S.C. 1666b CORRECTION OF BILLING ERRORS - A CREDITOR MAY NOT TREAT A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 U.S.C. 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS- A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to CREDCO. In my credit report from XX/XX/2023, I found unauthorized inquiries that I was not aware of, according to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and I want my credit report to be accurate.
Product: Debt collection

i received a phone under caller id XXXX collection and i called the number listed XXXX XXXX XXXX and certain dynamic solution looking for my name XXXX XXXX then i called XXXX credit XXXX XXXX XXXX XXXX and was told that there was someone fraudulently used their name as caller id and as far as im concern my credit is in good standing would like to report some fraudulent activities about the concern company using others caller id to scam
Product: Student loan

I have been forwarded from XXXX to Navient for my loan service and it seems the information was transferred incorrectly. They have it noted that I am to pay loans ( XXXX ) for XXXX XXXX XXXX  XXXX back which was taken out on X/XX/2007. The issue is, I did not attend XXXX in 2007. I  was attending XXXX XXXX University. They have it incorrectly listed ( which leads me to wonder what else is wrong ) but I called them to have it fixed before I started paying on the loans. I spoke with someone and was forwarded to a hold where it said I had a minute wait. After waiting 20 minutes on hold, I finally hung up and called again. After explaining the situation and possible resolution to the lady I spoke with multiple times, she said to hold for her supervisor, then came back on the line and hung up on me. I just need this resolved and have been working way to hard to fix this and they 've made it nearly impossible to work with. I have spent the greater half of my work morning on this. They have no email address to contact if there 's an issue and it seems like they always have a " poor connection '' via phone.
Product: Debt collection

On XX/XX/XXXX, Southern Credit Recovery reported a medical collection on my credit report. This collection was placed on my credit report without any prior communication ( written or verbal ) and without validation of the debt. 

In addition, I had no prior knowledge that this account was being handled by Southern Credit Recovery as I was never properly informed by them. Because I have never received any information about this account, I was not given the opportunity to acknowledge or dispute the account before they placed it into collection status, which violated my rights per the Fair Debt Collection Practices Act. 

On XX/XX/XXXX, I discovered a medical collection account in the amount of {$4400.00} had been placed on my credit report, at which time I contacted SCR via the phone number on my credit report to get the following details : Details : XX/XX/XXXX I moved and had a change of address. All my other mail and bills have been forwarded to my new address with no problem. 

XX/XX/XXXX Per an employee, they have a record of 2 letters being returned to them for a bad address. They also claimed to have attempted 7 phone calls but did not leave messages. 

XX/XX/XXXX The second ( and last ) letter was mailed to me and returned again for a bad address. Its important to note that the collection agency had been informed of my correct/current address because they tried to update it in their system. However, a SCR employee inputted the house number wrong in their system by one digit. Because of the error of the SCR employee, I never received any further written correspondence from them.

Summary : SCR had been made aware of my current address because they tried to update it in their system. An error on their part prevented the second letter to be mailed to my correct address. Had they inputted and updated my correct address, I would have received proper written correspondence per the Fair Debt Collections Practices Act and I would have begun repaying the debt. Instead, no further communication was received from them and they then proceeded to place a medical collection on my credit report without validating my debt.
Product: Mortgage

In the last 2 months, Loan Depot has rejected my mortgage payments. This causes me a major financial crisis as I have to make another payment to Loan Depot over the phone. Both of these payments come out of my XXXX XXXX checking account. This is hard on me as I have to wait for the rejected payment to be put back in my checking account. I have called Loan Depot about 6 times and one customer service rep admitted to me that Loan Depot has done this to other customers. Three times I asked for a manager to call me back to resolve this issue and still have not received a call back. I feel Loan Depot is trying to force a foreclosure on me. For the first 5 months there were no problems with my payments. Starting in XXXX, Loan Depot started rejecting my payments. My bank account has not changed over this time frame. My account with Loan Depot has not changed over this time frame. 
Thank you.
Product: Debt collection

I have been trying to work with the company regarding this account being on my report that was opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! It has been over 45 days since I mailed a letter asking for proof of ownership showing my written signature and consent to open this account and NOTHING has been resolved nor sent back to me!!! Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent! Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information.
Product: Debt collection

I have a balance with XXXX XXXX of {$8700.00} and every month I make a payment at the court house of XXXX nc of {$50.00} and the balance does not go down for more than 2 1/2 years XXXX XXXX make fraud to me
Product: Credit card

I have an excellent credit for the least XXXX years of my life paying my cards in full before the due date. My cards are in auto pay for years without having any issues. I went on vacation in XXXX XXXX  confident that my cards were in auto pay. Upon my return in XXXX I noticed that my card of bank of America was 2 months past due. Per conversation with XXXX at Bank of America, she informed me that the bank did a reboot of their system disconnecting all the auto pays. Meanwhile, I did not get any notification that this was happening. Of course I immediately paid my due balance of {$450.00} in full. she apologizes for the inconvenience but meanwhile my credit is not restored as they promised. They should never report past due payment when they know that this happened because of them. Now my credit is low and that upset me because I never had such a low credit score. that affecting me in purchasing other things that I need. I need you to help restore my credit score. they should remove this late payment of my record. 

Thank you much for your attention. if you would like to discuss further, please feel free to call me at XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Subject : Cease and Desist Regarding Inaccurate Reporting of Account Details XXXX ( Account No. XXXX ) Dear Experian, I am writing to formally dispute and request a cease and desist regarding the inaccurate reporting of the above-referenced account on my credit report. The information being reported is erroneous, incomplete, and unverifiable. Below are the details of the account as reported : Account Name : XXXX Account Type : Sales Contract Date Opened : XX/XX/XXXX Current Status : Closed/Account Charged Off Reported Balances : {$84.00} written off Paid Off : {$0.00} ( Balance as of XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Original Balance : Not specified Terms : 6 Months Additional Notes : Purchased by another lender Cease and Desist Order Under the Fair Credit Reporting Act ( FCRA ), I demand that Experian immediately cease and desist from reporting inaccurate or unverifiable information regarding this account. Specifically, the following discrepancies must be resolved : 1. The reported charge-off and written off balance conflict with my payment records and account activity.

2. The status purchased by another lender lacks necessary verification or details regarding the sale or transfer of the account.

Supporting Documentation I have attached the following documents to support my claim and validate my identity : 1. A copy of my FTC identity theft report, confirming the issues related to my credit reporting.

2. A copy of my passport, serving as proof of identity.

Request for Immediate Action I request that Experian take the following steps without delay : 1. Investigate the accuracy of the account details and verify all reported information with XXXX and the alleged new lender.

2. Remove or correct any inaccurate, incomplete, or unverifiable information related to this account.

3. Provide me with a full written summary of your findings and updates to my credit report.

Notice of Rights If these inaccuracies are not addressed within the legally mandated 30-day timeframe, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Furthermore, I reserve the right to seek legal action for damages caused by the continued misreporting of inaccurate information.

Please confirm receipt of this letter and respond promptly with the results of your investigation. You may reach me directly at XXXX or XXXX for further correspondence. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I learned that my credit card account had been closed via a decline of a transaction. When I called BMO Harris about the reason for the decline, they verbally informed me that they had closed my account and cancelled all XXXX cards on the account. When I asked why they did not provide a reason, and said a letter was being sent to my house. 

I received the letter and it provides no reason. 

Upon learning of the account closure, I immediately logged on to the BMO Harris web site and redeemed all the " rewards '' point in my account via gift cards. The total value is in excess of {$2500.00}. None of the gift cards have been sent, all show as not issued on their web site in spite of the fact that I received email confirmations of the reward transactions. This is theft and fraud. 

I have had accounts with BMO Harris for over 20 years, and have a credit score higher than XXXX.
Product: Mortgage

there is a class action law suite against wells fargo for wrongful loan modification and when I call the one overseeing this, he told me that if I do not have a notice I do not qualify. but I do. and I am requesting wells fargo to issue the card I need to file my class action before the dead line
Product: Debt collection

On XX/XX/XXXX Credence Resource Management , LLC mailed me an invoice stating that I owed a debt that they are trying to get that I allegedly owed to XXXX XXXX XXXX XXXX, they proceeded to call me regarding this alleged debt in which I left on record for Credence Resource Management to not call me but send all validation and further communication through written communication. On XX/XX/year> Credence Resource Management sent me a verification of balance. Which did not meet the FCRA requirements of 15 USC 1692G validating debt and they still were attempting to collect. Credence Resource Management also sent deceptive forms ( 15 USC 1692G ) stating that I owed them a debt they never validated and they also deceptively sent documents from another account to prove their deceptive practices. XX/XX/year>, Credence Resource Management sent me another document titled Verification of Balance that still never addressed the requirements set forth by congress. I sent them another notice of dispute requesting the information that was originally requested Credence Resource Management sent me another letter titled ACCOUNT RECALLED They express that the account was recalled but noticing on their documents they have a Reference XXXX it gave me the impression that a new account number was created so now I would like to know what is a reference ID
Product: Credit reporting, credit repair services, or other personal consumer reports

" Re complaint # XXXX It has been over 30 days. You must now delete all items ousted in complaint XXXX from my credit report. Since you were unable to validate these items in the 30 days allotted.
Product: Credit reporting

Credit bureau is in direct violation of FDCPA and FCRA, and has n't validated/verified negative accounts on my credit report.
Product: Credit card or prepaid card

Hi! 

I opened a credit card called " The XXXX Preferred Guest Credit Card from American Express '' on early XXXX. The promotional bonus for this card is " spending {$5000.00} and get XXXX XXXX points ''. After spending more than {$5000.00} for more than half a year, I still have n't received my XXXX bonus points.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Department XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Late Payments Request for Proof or Deletion Due to Human Tracking and Debt Bondage Section 605C ( 115 U.S.C Section 1681c-2 ) Urgent Request for Resolution Dear XXXX Representative , I am XXXX XXXX writing to formally dispute inaccurate information on my credit report concerning alleged late payments reported on my account. Please note that I have never been late on this account. I request that XXXX, as a credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. If you are unable to provide proof of the validity of these claims, I am requesting that you immediately delete these alleged late payments from my credit report. 
The following accounts contain erroneous late payment information reported by XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Inaccurate Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX. Rent Reporters Account Number : XXXX Inaccurate Late Payments : XX/XX/XXXX I have included a copy of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as evidence that I have consistently made timely payments.

Under 15 U.S. Code 1666 ( b ), a creditor may not treat a payment on a credit card as an open-ended consumer credit account unless they can prove the validity of the debt. Failure to provide such proof indicates that this information is inaccurate and must be removed from my report to comply with federal consumer protection laws. 
Please be advised that if these inaccurate late payments are not removed from my credit report, I will file formal complaints with both the Better Business Bureau ( BBB ) and the Consumer Financial Protection Bureau ( CFPB ) regarding your agencys failure to follow proper dispute procedures. 
I request, pursuant to FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that XXXX block all negative accounts identified. I expect a resolution to this matter promptly as required by the Fair Credit Reporting Act ( FCRA ). Please confirm the results of your investigation in writing once it is completed. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX XXXX Address : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a collection account listed on my credit report. The account in question is referenced as [ XXXX ] and is attributed to [ XXXX XXXX XXXX ]. 

Under the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Despite my efforts to verify the legitimacy of this debt, I have received no documentation or substantial evidence to confirm its validity. 

As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you : Conduct a thorough investigation of the disputed account. 
Provide me with verifiable proof of the debt, including but not limited to : The original signed contract or agreement that created this debt. 
A complete payment history, starting with the original creditor. 
Any other documents that substantiate the legitimacy of this debt. 
If no verifiable proof can be provided, I request the immediate removal of this account from my credit report. 
The continued reporting of this unverifiable debt is causing significant harm to my creditworthiness and financial well-being. If you can not verify the debt within the time frame stipulated by the FCRA, please delete the account from my credit report to rectify this matter. 

Please confirm receipt of this dispute and provide a written statement detailing the results of your investigation. I look forward to your prompt attention to this matter and expect a response within 30 days, as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX phone # XXXX XXXX XXXX XXXX Is reporting this false account on my credit report XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX