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

On XX/XX/year>, I attempted to apply for a promotional offer from Truist Bank advertised online. The offer promised a {$420.00} bonus for opening a new checking account and completing the qualifying activities outlined in the terms and conditions. 

When I tried to open the account online, I received an error message directing me to visit a branch in person. I then went to the Truist branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and spoke directly with a banker about the promotion. 

During our conversation, I made it explicitly clear that I would only open the account if I was eligible for the {$420.00} promotion. The banker assured mewithout qualificationthat he could enroll me in the promotion and apply it manually. Based on his assurance, and in good faith, I proceeded to open the account and later fulfilled all the promotional requirements.

Now, nearly four months later, I have been informed that I am no longer eligible for the promotional bonus because the account was not opened online. Furthermore, Truist claimed that I was ineligible because my account profile showed a Utah address, despite the fact that : I did not provide a Utah address during the account opening process. 

I am no longer associated with any Utah address. 

The incorrect address was entered by a previous Truist employee, who mistakenly copied the address from my drivers license ( which still listed my old residence ) and used it as my current profile addressan error made entirely by bank staff, not me.

This entire situation stems from two major failures on Truists part : Misrepresentation by an in-branch representative, who assured me I qualified for the bonus despite the terms stating it must be opened online.

A clerical error by another bank employee, which led to an incorrect profile address now being used to deny me eligibility.

From a legal standpoint, the doctrines of apparent authority and promissory estoppel apply : I reasonably relied on the assurance of a Truist employee acting within the scope of their duties. 

My reliance caused me to take an actionopening an accountI would not have otherwise taken.

I have since suffered financial harm from Truists refusal to honor the agreement made at the time of account opening.

Additionally, the excuse provided ( incorrect address ) is based on Truists own internal error, and it is entirely unreasonable to penalize a consumer for a mistake made by the bank.

This is a breach of fair dealing, transparency, and good faith. It also undermines consumer trust and raises questions about the bank 's promotional practices and internal training.
Product: Money transfer, virtual currency, or money service

I ordered a bike from a company thats called XXXX  never received a email of my purchase also sent PayPal a message telling them I felt it was a Fraud purchase fraud purchase I ha e not been able to get a response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are actively reporting incorrect information. Both credit reporting bureaus are reporting that I was late on my XXXX payment for XXXX XXXX account # XXXX. The payment was due XX/XX/2021, And according to XXXX XXXX, they received payment on XX/XX/2021. I written and notified both bureaus multiple times. Transunion fixed the discrepancy and the again posted incorrect information the following week without notice. XXXX is complete refusing to investigate and said that as long Credit acceptance verify incorrect information, they will report incorrect information as such. 

XXXX XXXX XXXX acknowledges incorrect information their reporting and continue to verify incorrect late payment. They confirm that they received legitimate dispute for late payment and continue to report i was late. 

According to FRCA federal law, a account can NOT be reported as late until it is 6 days past due. 

I was only 6 days past due according to XXXX XXXX XXXX. Billing statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened accounts using my private information without authorization and caused a debtor status to be placed upon me without authorization or disclosure. I am requesting original documentation to proving these obligations placed upon me that is damaging my financial status. 
XXXXXXXX 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: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Accounts to Dispute XXXX XXXX XXXX, High Balance : {$420.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$420.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX XXXX, High Balance : {$310.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$0.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX  XXXX, High Balance : {$95.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$0.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX - XXXX, High Balance : {$13000.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$13000.00}, Last Date of Payment : XX/XX/XXXX Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Debt collection

I have sent letters requesting more information about this debt because I am constantly receiving calls from this company.
Product: Student loan

Navient systematically misdirected me into an income-driven repayment option without making it clear that I would not student qualify for Public Service Loan Forgiveness even though I am working in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting my payments every month through XXXXXXXX. However I'm noticing that the principle balance goes to what I paid it down to. Which is resulting payment percentages going up. That's misleading it makes it appear that I'm NEVER making payments. Original Loan is {$2700.00}. 
There is a consorted effort with XXXX, XXXX, XXXX, Equifax and FICO. 
I have 15 months of screen shots. My FICO was XXXX XX/XX/XXXX and has dropped to the low 600 's ( with NO 30 day late payments and under 30 % ). When I dispute items and it goes in my favor, ( my FICO NEVER moves ). Fed loan reported a {$50.00} payment my FICO shot up to 52 pts, but then that following month when I made a payment of {$290.00} my FICO never moved at all. I can never get to a good status, as soon as I do, here comes another false report ( Out of nowhere ). Case in point. Yesterday XXXX XXXX reported to XXXX  that my balance went up {$240.00} and my FICO went down 2 pts. Yet my last payment on XX/XX/XXXX was NEVER reported. As of XXXX balance is {$2100.00} but that's isn't reflected. 
Last month XXXX  removed both of my credit cards with out my consent and my FICO fell 52pts ( the points that I accrued from the {$50.00} XXXX  XXXX payment, which I never made it was a {$91.00} payment ) Equifax also continues to report incorrect updates to my balances as well.
Product: Credit reporting or other personal consumer reports

My credit is way too low. I'm getting credit pulls and my credit is suffering. I have 100 % payment history and XXXX % credit usage and my score doesn't go up it only gets lowered to the point of having XXXX credit score. That's not fair reporting
Product: Checking or savings account

After reaching out to Venmo several times before having my funds deposited into my account Venmo told me I was able to receive the funds they knew the amount, the depositor and the reason for the funds and I was told it was ok to have such funds deposited into the account. As soon as the funds was deposited they froze my account without telling me why.I have filed a complaint with the FDIC and I hope they don't send these funds back to depositor because it will lead to litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT AGENCIES FRAUDULENTLY CLAIMED TO HAVE VERIFIED INFORMATION THAT WAS NOT FURNISHED TO THEM AND THEY CONTINUOUSLY REPORT THIS INACCURATE INFORMATION ON MY CREDIT REPORT.

15 USC 1666 ( B ) 15 USC 1681 ( B ) 15 USC 1681 ( A ) ( E ) 15 USC 1681C ( A ) XXXX XXXX XXXX  # XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XX/XX/year> loan reporting for {$24000.00} and same time business admin loan reporting same loan on my credit for {$31000.00}
Product: Credit reporting or other personal consumer reports

Have not invested my disputes, or have replied to me..
Product: Money transfer, virtual currency, or money service

There's issue with my paypal account, I can't receive money on my pypl account because of 'wrong country error '. Is my account limited by US government? Please answer my question. 
Best regards
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 : 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: Debt collection

Called company and Equifax explained to them that Ive never had an account with them and Ive never lived at XXXX XXXX XXXX XXXX XXXX OH. 
Ive filed identity theft reporr with the ftc Neither can verify my signature on any document
Product: Debt collection

On XX/XX/XXXX my cardiologist hooked an XXXX XXXX XXXX XXXX to me that I had to wear home for XXXX hours then return it by mail to the device owner XXXX XXXX XXXX. XXXX incorrectly billed my XXXX XXXX XXXX ( XXXX ). XXXX eventually paid 100 % of the bill but XXXX then turned it over or sold the debt to Receivable Management partners ( XXXX ). Now XXXX continues to contact, threaten and harass me by phone. Each time I inform them that I have a statement from XXXX informing me of the XXXX balance but they tell me they dont care and despite me telling them to not contact me anymore. The last call from XXXX was today ( XX/XX/XXXX ). I myself and XXXX have both contacted XXXX several times to handle this and nothing seems to get solved. I want to know what action you can take and what actions I can take due to the harassment and threats from XXXX.
Product: Debt collection

Jefferson Capital System is the company that served me at my home on XX/XX/XXXX for the amount of XXXX. I have asked the company to provide the original sale contract allowing with my signatures or any supporting documents via postal mail. I was in a car accident in XX/XX/XXXX. The car was total out and my lawyers paid this debt in full on my behalf. I have since purchased a car from XXXX XXXX XXXX and have paid the second car off. I have paid some much into this company that I received a check back from the second payoff purchase. This company has damaged my credit by reporting this mistake and incorrect information.
Product: Credit reporting or other personal consumer reports

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, XXXX consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Product: Money transfer, virtual currency, or money service

XXXX XXXX  is holding my money XXXX I have over {$700.00} in there and they're refusing to give it to me they've locked up my account please help me get my money Thank you XXXX XXXX
Product: Student loan

Nelnet refuses to communicate why I have more interest applied on their website than t what has been displayed on student aid.gov page. Nelnet is irresponsible and not responsive when asked for help and clarification. The federal loans were transferred to them from Great Lake without customers knowledge and no explanations provided to customers leaving customers clueless regarding the amount and interests displayed which are inaccurate. Nelnet refuses to cooperate or answer any communications.
Product: Money transfer, virtual currency, or money service

I have a personal account in PayPal from XXXX I deal with it on a daily basis until XXXX PayPal upgraded my account to Premium I have an account manager and follow up on my account periodically UntiXXXX XXXX  month XXXX My PayPal closed my account and it was XXXX XXXX dollars I contacted them a lot to understand the issue and explained the reason to me, but they did not give me any clear information and they told me that I should go to any other bank to deal with it And they told me that the money will be withdrawn to my bank account 180 days after closing the account 170 days have passed and then all my balance was deducted and the money was transferred to the benefit of Paypal Without any right, they take your money I called them a lot but they don't get any response or response unfortunately
Product: Credit card or prepaid card

My credit card had {$89.00} transaction on XX/XX/2023. 
I have not used this card in XXXX in Bj 's and any other place. So, I have tried to dispute transactions in online banking, which was denied by capital one. 
After that, I have called capital one to dispute the transaction and in the first thing, the call center has also denied to dispute this transaction. 
At the end, they filed a dispute on XX/XX/2023 and I showed credit for this disputed transaction and again, next day, I showed the debit of this disputed amount. 
Once, transaction is disputed, then, the bank should provide temporary credit and should not charge that disputed amount to the customer, but, here, capital one has denied to provide that temporary credit also. Right after seeing this, I have again called the contact center and they said they will look into this. 
Even after 4 week, I have not received any letters and updates regarding my dispute and complaint. 

Bank should not charge and should provide temporary credit for disputed transactions, but, here, capital one has failed and refused to do that. 
Capital one should refund me back the disputed transaction amount along with interest. 

I have also mentioned during my calls that, I will complain to CFPB and OCC regulators regarding this matters, but, still, there are no any updates from Capital one. 

Here, Capital one is violated several rules for dispute and harming to millions of customer like me. 

I am requesting CFPB to help me resolve this matters and also investigate disputing practice of Capital one. I believed, Capital one is doing harm to millions of customer like me.
Product: Credit reporting, credit repair services, 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 name : # XXXX, Account name : # XXXX, Account name : # 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 : 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 XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account on my credit report that I believe contains several inaccuracies. According to my recent review, the account in question is listed with information that does not accurately reflect the current status of my account. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), all information reported on my credit report must be 100 % accurate across all three major credit reporting agencies. Inaccurate information can lead to the account being either updated to reflect accurate information or removed from my report.

I have two of the same collection on my credit report as well as two different dates
Product: Checking or savings account

I am XXXX XXXX XXXX. On or about XX/XX/2018 I made a bank transaction at Wells Fargo Bank at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I made a withdrawal for {$3000.00} and signed a withdrawal slip for that amount and gave it to the teller. I received {$3000.00} cash. I noticed my account was overdrawn XXXX the next day. I immediately went to the bank the next day to inquire. The bank stated this was some sort of correction and stated he could not say what it was. I then contacted the resolution department and they started an investigation per XXXX. The bank then stated that I was given {$5000.00} not {$3000.00}. This is not correct. I was only given {$3000.00}. Why would the bank give me nearly {$2000.00} more than was available in my account? I only received {$3000.00} and that is all I signed for. I have been waiting for a return call from the branch manager for 5 days. 
I can be reached at XXXX XXXX XXXX
Product: Vehicle loan or lease

Credit Acceptance offered me a settlement in writing XX/XX/2022. I sent them a check XX/XX/2022 to settle the account in full for this subprime loan. The letter gave me 90 days from the date of the letter to settle the account. Now they are trying to re-nig on the settlement and file a judgement. I want them yo honor their settlement arrangement.