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

I opened a small business checking account with Truist Bank on XX/XX/XXXX taking advantage of a welcome offer XXXX where if I made qualifying deposits of {$2000.00} or more I would get rewarded a {$400.00} bonus. Another condition of the terms is that I should open the account between XX/XX/XXXX through XX/XX/XXXX and that I can not have an existing Truist business checking account or have closed a Truist business checking account within 180 days of the promotion start date ( i.e., on or after XX/XX/XXXX ). 
Checking the terms of the offer, since my last business account with Truist was closed on XX/XX/XXXX, this would make me eligible for the offer. However, on XX/XX/XXXX, I get an automated email from Truist telling me that I am not eligible to participate in the offer. I do have written confirmation from the branch manager who assisted me in closing my account back in XX/XX/XXXX which confirmed that my account had been closed ( attached here ). 
From when I closed my account on XX/XX/XXXX until present day, my online access was disabled, I haven't received any statements from Truist and not even a promotional email. Based on this and the fact that I got an official communication from a branch manager that my account was closed, obviously I assumed the account was closed. Back in XXXX I stepped into the branch with the purpose of closing the account when the branch manager told me the account has been already closed and there is no further action I could take. When she showed me her screen showing the status closed on my account, I asked her if she could send me that screenshot. She said that per their policy they can't send screenshots of their internal system but offered to send an email confirmation stating that the account was closed, which I agreed.

Calling Truist after getting the email, I was told my account actually got closed on XX/XX/XXXX ( which is after promotion start date of XX/XX/XXXX ). As far as I am concerned as a small business owner, my account was closed on XX/XX/XXXX - hence the confirmation email and the fact I haven't received any further communication from Truist. How is their backend system treats the closure, that I am not sure, but one would assume if you get a confirmation that account is closed, it is indeed closed. Truist is eager into returning back their customers but continues to pull shenanigans like this to avoid complying with their own terms and conditions.
Product: Prepaid card

I received a {$500.00} American Express gift card from my employer as a gift & literally everywhere I try to use it online & in person the card gets declined yet it still has the {$500.00} on it. The only thing American Express doesn't decline is the tiny verification fees of adding the card details to an account/app of course that they leave pending forever & don't get back. So I'm stuck with a {$500.00} American Express Gift card that literally gets declined everywhere & I can't use at all. What makes this even more annoying is that American Express & their Amex Gift cards claim to be usable anywhere with the false advertising yet its literally getting declined everywhere, like how are you going to decline the card that clearly is activated & has plenty of money on it yet theyre only responses are to " check you have sufficient funds ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL, XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Mortgage

This, for the record, is my XXXX time trying to enter this information, some technical difficulty I guess... 
Again, I am a working XXXX  man with a FHA backed home loan. This is my first home, my mother, and XXXX sister live with me. Coming off of XXXX forbearance, I asked for, and received a loan modification agreement from Lakeview loan. 
Beginning XXXX. From the XXXX payment ( I have all my receipts ) I've received resistance, but sent my payment online, by bank, anyway I could, only to receive letters from XXXX, as if I was making some kind of " m partiapayments ' in XXXX they sent my mortgage to XXXX, who accepted payment until they told me it takes time to get all my records. But the don't see any loan modification agreement, and I asked them to please let me make my payment until they straightened things out, told me they would not accept anything until they validate this. I took pics of my agreement to a supervisor, and next XXXX I know they sent paperwork to begin foreclosure. Yesterday I received a letter that from XX/XX/21 to XX/XX/21 someone hacked our information and my personal information has been compromised! I can't believe what's happening! How can this be right?! They have a copy of my 'loan modification agreement in the foreclosure papers! Now that they've stop accepting payments! 
I'm so shocked, that no one will help us, unless it's these guys who wanted us to pay them some money and hellp me, Scammers! Please, please help me! These servicers and Lakeview loanXXXX are making me look like a liar and a squatter ... And all I want is to get things in order and love my home and I love my neighbors!
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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: Mortgage

I requested fro m Wells Fargo to obt ain the necessary documentation to be able to obtain a home valuation in order to terminate the need for private mortgage insurance. I received the documentation and provided the necessary information inclusive of the {$200.00} for a brokers price opinion. The initial professional assigned to perform the BPO was unresponsive to phone messages I left him. I subsequently received a call from a gentlemen who advised that he was subcontracted by the original professional to complete the home inspection for the BPO. He explained that his work-product would be submitted to the Bank by close of business that same  day. (   XXXX   XXXX ,   XXXX   )  On  Friday,  XXXX   XXXX ,   XXXX  , I called the Bank to follow up on the valuation results. They advised that the documents were still being uploaded and they should have a decision in a couple of days. On Saturday,  XXXX   XXXX ,   XXXX  , I once again I followed up with a call and I was told by the representative and her supervisor that there was no documentation on file supporting that a BPO had been performed.   The {$200.00} check submitted was negotiated, an inspection was performed, but at this time there is no evidence of an evaluation. I would like your assistance with this matter.
Product: Debt collection

RECIEVED A LETTER IN THE MAIL ABOUT THE DEBT. 
BOUNCE AL INC. 
THEY SAY I OWE {$1900.00} I DONT OWE THEM THAT NOR THE ORIGINAL CREDITOR THAT AMOUNT. 

THE LOAN AMOUNT WAS {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report has been blocked by Equifax since XX/XX/2022. I contacted them over a year ago and that stated all I could do was get a paper copy in the mail. Within the past month, I have contacted them three times and let them know that banks/credit unions can not pull my report. They asked for information and said allow 7-10 days. I send that information and it has been over the time limit. My credit union still can not view my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX DEPT OF EDUCATIONXXXX Account # XXXX DEPT OF EDUCATIONXXXX 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: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate.

Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description or reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( 8 ) ( i ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer tor that description. 
Please send the ( Following information used to validate the item ( XXXX ) below, otherwise delete them from my credit report immediately : Account ( XXXX ) : XXXX. XXXX XXXX XXXX This account is being reported inaccurately, Please remove this from my credit report immediately
Product: Student loan

National enterprise systems sent me a letter to sign inorder to participate in their loan rehabilitation program. the stated the principal balance remaining on the loans and they listed collection cost of almost {$4300.00} which aggregate the loan balance by that amount of money. I called them and said that they should collect the additional cost from the company who is asking for the money, not me. The person that I was talking to said that i agreed to pay collection costs when i said the original paperwork. 
My complaint is that these student loans are not designed to be paid back, they are set up to keep people in perpetual debt. Why does the student have to burden that cost of collections when they are already burden with the debt of paying back a loan in order to get an education. The only cost I, the former student and all students, should be responsible for is the actual cost of the education, as those cost are already exorbitant. 
We should not be charged for collections cost especially when our education does not guarantee jobs that are paying enough for us to be able to make and type of decent payment on our loans? thank you
Product: Debt collection

They continually harass me at work and home and have never provided me proof of debt or where I signed up for it. They have not provided account numbers or anything else required by law I have ask numerous times
Product: Debt collection

Reached out to NCB Management starting XXXX XXXX-current requesting validation of debt. Company responded with partial of items that were requested. Company is unable to provide signed contract between debt collector and original creditor showing proof that company is an affiliate and not a 3 party. As provided in NCB management privacy policy " We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone. 
We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request. '' Said company is in violation of their OWN privacy policy as they are sharing inaccurate information to XXXX, XXXX XXXX XXXX. Company also has information I did not voluntarily provide.
Product: Vehicle loan or lease

Wells Fargo auto loan from approximately XXXX XXXX. Funds applied to next payment rather than additional principal to pay down quicker several times. Company would not allow you to pay extra to principal online when making regular payment. Would have to call- wait on hold for over 20 mins to in order to pay principal only payment. Suppressing consumers from making extra payment toward principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XX/XX/2018 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
Product: Debt collection

IQ Data International was employed by XXXX XXXX XXXX XXXX XXXX Florida to attempt to collect a debt owed by whom they thought was me. I filed a police report in XXXX which I will attach below to demonstrate this ongoing problem and after reviewing numerous evidence at the department, the individual who was using my identity was actually XXXX XXXX XXXX XXXX XXXX and I am a caucasian male. They altered the picture on my drivers license and were using a fake California address. Detective XXXX XXXX of the XXXX XXXX Police Department is happy to speak with any parties necessary as well. 

Furthermore, IQ Data International mailed me a fraud packet which came 1-2 weeks late and I filled out and returned the necessary information and then more. I followed up today and they stated they mailed another fraud packet on XX/XX/XXXX to my address, however, they stated they never received my initially returned packet well over a month ago. I had a return address on the envelope and I never received the mail back, therefore, it exists somewhere in their hands or more shady actors. This was deeply personal information to prove my true identity and they just blew it off stating they never received anything and to start over. 

XXXX XXXXXXXX XXXX was beyond faulty and potentially criminal initiating this lease as they did not run my credit as my credit is frozen with all three bureaus and distributed a false lease under my name. How this occurred and oversight was not utilized is deeply chilling and then employing a collection agency with similar behavior to drop the ball just exacerbates everything. 

Detective XXXX XXXX is going to have to subpoena the apartment complex and potentially the collection agency as they have not been cooperative. The issue is I live in Illinois and my identity in this instance was stolen in Florida and different legal jurisdiction has to be involved to pursue the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice forProof of Claim To Whom it may Concern : This is a this complaint is submitted Under OHIO XXXX XXXX XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Since this is an error I demand that you send me the following proofs for the following accounts : XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AND XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I called to try and get in contact to speak with someone from world finance to see what payment plan I could do or see what they could do about it but no one picked up the phone or returned my phone call. I would like for them to remove the negative reports off my credit because Im not able to get an apartment in my name because of it.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used a PayPal feature called 'Pay in 4 ' to purchase boots from an online merchant. This Pay in 4 feature is similar to other online installment loan providers such as XXXX, XXXX, and XXXX, where the the full amount of a purchase is paid by the provider, upfront to the merchant, and the customer pays the provider in four interest-free bi-weekly installments until the amount is paid off. In this instance, the merchant is referenced in PayPal correspondence as SICAP SRL. 

The total amount for the transaction was {$510.00}, which was agreed to be paid in 4 installments of {$120.00}, due every two weeks. I made the initial payment of {$120.00} at the time of purchase on XX/XX/XXXX and a subsequent payment, as agreed, on XX/XX/XXXX. I returned the boots to the merchant on XX/XX/XXXX and they issued a refund of {$510.00} to PayPal on XX/XX/XXXX, which should have cancelled out any future payments on this transaction and allocated a refund of the funds already paid to PayPal. On XX/XX/XXXX, PayPal refunded the two payments totaling {$250.00} to my PayPal balance, as opposed to the credit card originally used to deduct the funds, but locked my account access to my PayPal balance so that I am unable to get my money back unless I upload a copy of my Government ID. As a side note, this lock was apparently placed on my account due to a suspicion of fraudulent activity, however PayPal has continued to deduct funds from my checking account, debit card and credit cards without concerns or mentions of fraud. This has been as recent as XX/XX/XXXX. Since the refund, Paypal has continued to bill the monthly installments to my credit card, as well as late fees, totaling {$270.00} despite receiving a full refund from the merchant several weeks ago. 

I contacted PayPal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding this issue with no resolve. It was supposed to be escalated to management on XX/XX/XXXX - this also has yielded no results. The Case ID for the escalation is XXXX. I have not received any help on the phone, instead I am bounced between representatives who are unable to answer my questions let alone assist and PayPal has made it so that I am unable to seek resolution using their online resolution/dispute feature on their website. 

Not only has this matter been handled poorly, PayPal is fraudulently deducting funds from my account as well as holding my refunds XXXX under false pretenses. I have filed a dispute with my credit card company and I am further examining PayPal 's actions towards my account to determine if additional complaints with the FTC and SEC are appropriate. I've enclosed documentation that illustrate the transaction history between PayPal and myself in reference to this particular transaction.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion, XXXX, and XXXX for failing to correct inaccurate information on my credit report. Despite requesting a re-investigation and filing previous complaints, the inaccuracies remain unresolved and continue to negatively impact my credit profile. 
The credit bureaus closed my previous dispute, yet the incorrect data is still reported. Ive made several attempts to have this issue addressed, but no resolution has been reached. This failure to correct the information is a violation of the Fair Credit Reporting Act ( FCRA ), specifically : 1. FCRA Section 1681i ( Reinvestigation of Disputed Information ) : The credit bureaus did not properly reinvestigate the disputed information, leaving inaccurate details on my report.

2. FCRA Section 1681e ( b ) ( Maximum Possible Accuracy ) : The credit bureaus are obligated to ensure accurate information is reported, but the inaccuracies have persisted.

3. FCRA Section 1681i ( a ) ( 1 ) ( A ) : The required re-investigation was not initiated as per the law, and the errors remain unresolved.

I request that the Consumer Financial Protection Bureau ( CFPB ) take action to investigate and ensure the bureaus comply with the law and correct the inaccuracies on my credit report immediately.