23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

What adds an extra layer of bewilderment to this situation is the claim by your bureau that the fraudulent account has been verified. I find myself questioning the very fabric of reality, wondering how such verification could occur when I, the purported account holder, have absolutely no connection or binding with the said account. It's like claiming to have seen a unicorn in the backyard ; it simply defies the realms of logic. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I want to reiterate, in no uncertain terms, that this fraudulent account must be removed from my credit report immediately. It was disputed on the grounds of being unauthorized and fraudulent, and the lack of resolution or communication from your bureau has only intensified my frustration. It is baffling and somewhat surreal that, despite my assertions and the mandatory 30-day window stipulated by the Fair Credit Reporting Act ( FCRA ), there has been no resolution to this dispute, nor has there been any indication that your bureau has undertaken a thorough investigation into its legitimacy. 
XXXXXXXX XXXX XXXXXXXX -PLEASE DELETE!!! 
The failure to resolve this matter within the mandated timeframe is a clear violation of my rights as a consumer, and I will not tolerate the continued reporting of inaccurate and fraudulent information that tarnishes my creditworthiness.
Product: Checking or savings account

On XX/XX/2022 I spent around three ( 3 ) hours on the phone trying to gain access to my accounts. 

The first two calls ( to XXXX ) resulted in being on hold after long holds ( 47 and 32 minutes ) only to have the calls become disconnected without speaking to anyone. There is no option to leave a call back request in light of the unreasonably long hold times. 

My third call resulted in me finally reaching an individual named XXXX ( employee ID # XXXX ) who said he actually works for an overseas third-party vendor and not Truist. We spent a long time on the phone trying to gain access to my account including having two ( 2 ) separate temporary passwords, neither of which worked. After the 2nd temporary password failed to work, it became apparent that XXXX did not know how to resolve the situation and he stopped talking or responding on the phone. Thinking I was maybe placed on hold without being told I was being placed on hold, I stayed on the line for another 12 minutes. I keep asking XXXX if he could hear me but there was no response. Since I had given this person my phone number on two occasions so he could text me the temporary passwords, I assumed I would receive a call back from Truist overseas third-party vendorI did not. This call lasted 1 hour and 43 minutes. 

On XX/XX/2022 @ XXXX XXXX I called and spoke with the manager at my closest Truist location ( XXXX XXXX XXXX, XXXX Georgia XXXX ) on the issue. He told me he could not help me and I needed to call the same corporate customer service phone number which was already unsuccessful. This is contradictory to the emails being sent by the Truist organization which read exactly : For additional assistance, please call us at XXXX or visit any Truist branch. 

I then searched the Truist website for any kind of customer service, support or management email address or live chat and was only able to find an email address for a local Truist employee named XXXX XXXX who has the job title of XXXX XXXX. 

On XX/XX/2022 I sent an email to Ms. XXXX ( XXXX ) outlining my exhaustive efforts and pleading for assistance in the form of a simple phone call from any Truist employee. My email also advised that in the event the issues are not resolved by XXXX XXXX on XX/XX/2022, a formal complaint will be filed with the Consumer Financial Protection Bureau. 

I did not receive any response from Truist in neither written or verbal form. 

This problem relates to the multiple accounts I have with Truist. I currently can not access my accounts, use mobile deposit, or bill pay. This includes my business account which is causing a business interruption within our organization. This interruption has resulted in lost time in addition to ceasing financial activity which is translating into a negative financial impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

For many years I have never been able to obtain a decent credit ; since many companies when reviewing the credit through this platform my record for more than 10 years has always been very negative and therefore I have been denied credit ; I currently have and credit through my son ; which has made me an authorized person ; But that makes it difficult for me to want to buy or rent a housing unit, in other Credit Record companies ( XXXX ; XXXX and XXXX XXXX they have an updated record less Experian ; and they require me data that I consider of private use as a copy of my ID and Social Security card ( I ask WHY ) On many occasions I have received notifications and letters of Judicial Agreements in which Experian has been sentenced to pay many fines for violations of its servers, of which personal information has been stolen from many people ; And so I think that my information could be affected.-
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor 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, block the noteworthy of any information in my credit record that came about due to 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This company did NOT give me any opt out disclosures as dictated by 15 U.S. Code 6801 through 15 U.S. Code 6805. In other words, XXXX XXXX. Additionally, In their terms and conditions they stated that they CAN NOT and will NOT share my nonpublic financial information to nonaffiliated third parties, which they have. This is a breach of agreement and a violation of my right to financial privacy. Consumer reporting agencies such as XXXX, XXXX, and XXXX are NOT bureaus. The only one true bureau is the Consumer Financial Protection Bureau. I have attached the consumer reporting agencies XXXX or XXXX form from the SEC to prove that they are financial institutions. I, as a federally protected consumer, am now exercising my right to opt out of any and all authorization that, I, the consumer may have given you, a financial institution, written, non written, verbal, and non verbal to furnish my nonpublic information to all consumer reporting agencies.
Product: Checking or savings account

I have been a loyal customer of U.S. Bank for almost 18 years. Wednesday, XX/XX/2023 I went to pay bills though U.S. Bank 's Bill Pay. I noticed all six of our checking and saving accounts were gone. The only account I could still see was my Retirement CD. 

I called customer service and told them my accounts were not showing up, gave them my SS # they said they couldn't find my information, so gave them one account number and they confirmed all my accounts had been closed. I said that was impossible as my husband and I absolutely did not and never have closed any of our accounts. Now I'm thinking we've been hacked. Now being transferred for the 3rd time. She then said U.S. Bank closed the accounts. I asked where the money was and she didn't have an answer for me. Freaked out, I demanded to speak to a manager, the woman on the phone said she couldn't get me in touch with a manager ( why not? ) so she took my info and said she would have a manger contact me asap. A week later still have not heard from that manager. I got off the phone and immediately went to our local U.S. Bank branch in XXXX, CA. Manager had just gone to lunch so spoke with a representative, XXXX. XXXX said he couldn't find any info as to why all our accounts were closed, but did confirm a few check had been mailed out. He also said I wasn't the first person to come in with this problem in the last few weeks??? ( What does that mean? This is a thing? ) I asked for his manager to call me asap when he gets back, gave him all my info. Again, it's been a week and I haven't heard from anyone at U.S. Bank. We also still have not received checks for 4 of our accounts.

Why were our accounts closed? Can they really provide absolutely no information as to why they closed them? Is that lawful?
Product: Debt collection

These accounts do not pertain to me at all. Please have to remove them from the bureaus agencies. Please see below the list of accounts : 1. ) Identity Theft XXXX XXXX Account number : XXXX This is not mine. 

2. ) Identity Theft XXXX  Account number : XXXX This is not mine. 

3. ) Identity Theft XXXX XXXX Account number : XXXX This is not mine. 

4. ) Identity Theft XXXX Account Number : XXXX This is not mine 5. ) Identity Theft XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX This is not mine. 

6. ) Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. ) Identity Theft XXXX Account number : XXXX This is not mine. 

8. ) Identity Theft XXXX XXXX Account number : XXXX This is not mine. 

9. ) Identity Theft XXXX  XXXX Account number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor by the name XXXX XXXX XXXX is appearing on my personal credit report as a collection by XXXX XXXX XXXX. Account # XXXX date opened XXXX XXXX XXXX in the amount of {$500.00}. This information is inaccurate and is a result of identity theft. I have attached FTC Fraud affidavit as support. I request this information be blocked, suppressed and removed from my personal credit report as a result.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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
Product: Student loan

My student loans were forgiven in XX/XX/XXXX through XXXX. While waiting for a response on my forgiveness, Mohela automatically took out from my bank account XXXX extra payments ( XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX ). After my XXXX payment was paid in XX/XX/XXXX, all other payments made after that should be refunded for a total of {$600.00}. My Mohela account was showing a negative balance of - {$600.00} but the account has been showing a XXXX balance for the past several months, however, I never received a refund of {$600.00} to my bank account. 

I saved screenshots of when the account was showing that a refund was due and I have submitted those screenshots in my complaints to Mohela and to the XXXX XXXX XXXX. The XXXX XXXX XXXX is telling me that Mohela is responsible for the refund and for correcting the situation. Mohela is telling me that the XXXX XXXX XXXX is responsible and that they no longer can answer any questions or even talk to me about my account. 

I have attempted to get this situation resolved through both Mohela and the XXXX of XXXX since XX/XX/XXXX when my student loans were forgiven through XXXX. I have spoken with several different MOHELA representatives who all tell me different things ( some have referred me to the XXXX XXXX XXXX, another one reported that they have notified a supervisor and they are going to need to look into my refund status but I never heard back about it, another one said I am not due a refund and refused to let me talk to a supervisor, telling me that Mohela has nothing to do with my account any longer and I need to contact the XXXX XXXX XXXX ). 

I have attached documentation that proves that I am due a refund as it shows the XXXX overpayments that were made after XX/XX/XXXX when my loans were forgiven.
Product: Credit card

I logged into my online acct to pay a monthly charge to my card ( this is the only purchase I used the card for ). I discovered over {$5000.00} in fraudulent charges to my card. I contacted Barclays. The customer service rep informed me that she would refer the issue to their fraud department to open an investigation. She also told me that she showed in my acct notes that an individual ( who was not me! ) called and updated my home address. She also told me that shortly after that an individual called to report a lost or stolen card and requested a new card be sent. That new card was sent to the fraudulent address. During the phone call I created a verbal password. I also updated my address, locked my card, and went online to freeze my credit at the 3 credit bureaus. Barclays removed the fraudulent charges. But then informed me that because a chip was present I would be held responsible for the charges. I called again. I went through the same process. Barclay removed the charges again. And then they once again sent me a letter telling me that I would be responsible. I called again. And the same thing happened. The last time the majority of the charges were removed. There are currently almost {$600.00} still on the card that they have not removed. I called again. The rep told me that they should be removed soon ( I was told working 30 days of XX/XX/year> ). This has still not happened. In the meantime time Barclays has added late fees for nonpayment, interest charges, and reported nonpayment to the credit bureaus. Now my credit rating is falling and they still have not corrected the issue! This has been going on for five months!!!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company furnished my auto, which that auto was totaled and this loan was paid by the insurance company. This company has inflated fees and cost, I have asked the company several times to provide me with original contract, with my signature and consent, and a breakdown of payments and what the insurance company paid them, and they keep responding to my dispute as verified as accurate. Ive asked them to also provide me with how they verified the information, Ive received no response.
Product: Credit card or prepaid card

OnXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I made purchases using my Nordstrom Rewards XXXX card for a no interest, no payment promotion until XX/XX/XXXX. I have made 2 payments over my minimum monthly payment on XX/XX/XXXX in the amount of {$92.00} and on XX/XX/XXXX in the amount of {$180.00} to pay down my promotional balance before the expiration date. I have made a total of {$150.00} towards the promotional balance of {$210.00}. I called XXXX XXXX XXXX in XXXX to ask them to apply my additional payment of {$36.00} to my promotional balance and I was told that would happen. It never happened. When I called today on XX/XX/XXXX to ask them why my additional payment from XX/XX/XXXX and XX/XX/XXXX wasn't applied towards my promotional balance, I was told I'd have to pay off my entire card balance to not be charges interest on the promotional balance. This is absurd. What is the purpose of taking advantage of a promotional purchase if I'm going to be charged interest in the long run? This stupid practice was not communicated when the promotional offer was advertised. I wouldn't have made the purchases if it were.
Product: Debt collection

Various people calling three to XXXX times a week and asking to speak with me. They then have proceeded to tell the person answering the phone that he was trying to " verify my employment '', " verify my date of birth '', and " verify my social security number '' asking for this person to give it to him. He has also stated that they are going to " garnish my wages XXXX % ''. I am also receiving phone calls on my cell phone 3-5 times a week. He leaves the company name of Valentine & Kabartas but calls from a local phone number.
Product: Checking or savings account

XX/XX/2023. Someone opened a bank account under Bank of America in my name. I did not open this account. I have called Bank of America to close the account at this time.
Product: Checking or savings account

To whom it may concern, Good day, I open up a joint account on USAA with my sister and have been having problems with acquiring the funds that have been uploaded via check. My sister and I have call the company on numerous occasion and all we have been told from last year XXXX until current is their doin an investigation. I would like the money that my sister work hard for return to her.
Product: Mortgage

This will be my 4th time filing a complaint against Pentagon Federal Credit Union for charging me their attorney fees XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX THE ATTORNEY IS NAME XXXX XXXX RULE BAR # XXXX this have been going on for quite some time and this will be my 4th request. The first report was filed on XXXX, XXXX, XXXX XXXX and XXXX. Because of the location of my home I am constantly being harass by the bank, builders and brokers to sale. I believe there is someone that work at the bank that is responsible for the harassments. I want it to stop. The fee that this attorney is requesting from my Chapter XXXX attorney for me being late on my XXXX Payment is {$290.00}. I just buried my mother XXXX, uncle XXXX and aunt XXXX all from COVID-1i9. I do not have any extra money to pay Pentagon Federal Credit Union. In addition to the fees when I go to the office in person each month to pay my mortgage the payment is made with a cashier check and deposit in my savings account. The payment sits and they do not transfer the payment to my mortgage because they want me to be late. I can only make my payment on the XXXX of each month and they were demanding the XXXX. I need help and I need them to STOP charging me additional fees that are unethical, If I am in a chapter XXXX how can I afford there attorney fees? When I call no one will speak to me on the phone because I am in a chapter XXXX. No one will help me not even the person that is assigned to help me. I have called no return call no answer. I've visited the office when making payments and no help! But they can charge me attorney fees. I honestly feel that the Bank Attorney, Chapter XXXX Attorney and the Chapter XXXX Trustee are all involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the follow accounts have violated my rights : XXXX XXXX. Account # XXXX XXXX XXXX. Account # XXXX XXXX XXXX service. Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX of XXXX. Account # XXXX XXXX XXXX. Account # XXXX and account # 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.
Product: Student loan

Navient has considered each semester I took a loan as separate loans. Each month they apply interest and penalties to each of the loans, which now total 13 separate loans for the same school attended. I have tried to speak with Navient on several occasions and they have never helped. Each time I speak to them, I am told that nothing can be done, even consolidation of the loans, much less crediting me with the interest and penalties on all but one of the loans after consolidation. Now a {$30000.00} loan has become a {$130000.00} loan, and it continues to climb daily. Navient has provided no counseling or information - they just continually say, " NO, we ca n't do that. '' My credit is now ruined, and it shows a negative ratio of money coming in and going out. I really need this issue resolved and my credit to be restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, a consumer, and this is my last and final complaint before I proceed with legal action. I have made several complaints with your company and I received your last correspondence yesterday from your company stating that your company was accurately reporting the information to the consumer reporting agencies. In addition, in my last complaint to your company, you stated " A review of our records indicates that the account information we are furnishing to the three major credit reporting agencies remains accurate. '' Therefore your company is in dishonor as you can see in my attachments that your company is inaccurately reporting to all 3 consumer reporting agencies. This alone should have this " alleged debt '' removed from my account as this is in violation of 15 USC 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 128 payment periods with certified employment under the TEPSLF/PSLF program. The XX/XX/2022 payment period put me at 120, that was when my loans should have been forgiven per the rules promulgated by the Department of Education. At that point, my credit report shoulod have been updated to reflect the balance due was {$0.00} that the loans had been forgiven because I am a XXXX XXXX. That has yet to happen -- after 8 months. Because of this 8 month delay in updating the status of my student loans, I have had to pay more interest because of my " excessive unsecured debt '' all because the promises made by the Department of Education have not been kept.