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

I had a 5 month CD with Truist Bank. The Bank informed me in a letter that the CD matured and that I had 10 days to renew. I failed to renew the CD and so the Truist Bank renewed my CD for another 5 months at .01 % interest ( XXXX XXXX XXXX XXXX XXXX XXXX interest  ). I went to the bank to take the money from the CD The bank would not do this unless I paid a {$25.00} penalty for early withdrawal of the CD. 
I met with the Bank Manager XXXX XXXX, Truist Bank Branch located at XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. 
I advised XXXX XXXX that I did not think it was fair for the Bank to renew my CD for 5 Months at the ridiculous rate of .01 % without my permission. Furthermore, I did not think it was fair that I be charged {$25.00} penalty for my to get my CD money. 
The manager said that he would not waive the {$25.00} unless I opened another CD with these funds at his bank, and I told him I did not want to do that. 
I paid {$25.00} penalty to get my CD funds. 
The same thing happened a couple of days later with another CD that I had at this Bank and I was forced to pay another {$25.00} penalty. 
I do not think that any Bank Customer/Consumer should be treated this way. I don't think that the bank should be able to tie my money up at .01 % for 5 months without my permission.
Product: Credit card or prepaid card

XX/XX/2023 - Capitol One closed my credit card account today with no formal letter, only an email that said it was closed due to inactivity. I called Capital One today and they informed me they emailed me in XXXX and that this closure was permanent. This closure causes harm to my credit score as available credit and number of years with a credit account are determining factors. They informed me the only option was to apply for a new account which would also impact my score. I filled a complaint with the company about this policy.
Product: Credit reporting or other personal consumer reports

XXXX has inaccurately reported late payments on multiple student loan accounts despite the fact that these accounts were never late, as they were under enrollment deferment, standard deferment, or hardship deferment. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information to credit reporting agencies, such as XXXX, are required to report accurate information. When I contacted XXXX on multiple occasions to request verification and correction of these inaccuracies, they failed to respond or rectify the errors as required by law. 

Additionally, under 15 U.S.C. 1681i, the credit reporting agencies are obligated to conduct a reasonable investigation when a consumer disputes information on their credit report. Despite my formal requests to Equifax, XXXX, and XXXX to investigate these errors, none of the agencies completed a proper investigation or corrected the inaccurate information.
Product: Checking or savings account

I have a Chase Acct. 
I have it set so that if I have overdrafts, it alerts me. 
The feature seems to always reset I know that Chase allows one reversal overdraft ( that I know of ) per year but it happens every time. 
Initially, I think its my fault bc I dont always check that account so Ive accepted the other draft fees. They add up. 
It happened again today ~ I am minus {$4.00} and no alerts. I now wonder XXXX How many times has Chase collected overdraft fees based on a feature that seems to reset itself and unsuspecting customers get charged the {$34.00} or more if they dont realize it the same day
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020 my Equifax score was a XXXX. On XX/XX/2020 that score dropped XXXX points to a XXXX. This drop was supposedly due to a credit limit decrease with XXXX XXXX from XXXX to XXXX. However at the time this credit limit decreased my credit balances decreased by {$860.00} ( itemized and listed below ) which should have been enough to sustain my score instead off causing it to do take a tremendous dive. Additionally, I received a credit limit increase of over {$4000.00} for my XXXX XXXX XXXX I have also received XXXX other credit limit increase and my score has still not gotten back to normal. 

When this incident occurs my Transition score was not affected and is still a XXXX. Please fix this reporting issue. 

XXXX decreased by {$240.00} XXXX XXXX XXXX decreased by {$65.00} XXXX XXXX XXXX XXXX  decreased by {$10.00} XXXX XXXX XXXX XXXXed by {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Dear Experian, I hope this letter finds you well. I recently obtained a copy of my credit report and noticed multiple discrepancies, including unauthorized inquiries and conflicting information on the same accounts across the credit bureaus. 

These discrepancies include differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The listed accounts are as follows : XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/year> XXXX - XXXX Important dates Inquiry date XX/XX/year>XXXX XXXX Important dates Inquiry date XX/XX/year>XXXX XXXXXXXX XXXX Important dates Inquiry date XX/XX/year> I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts. 

I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion.

As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within 15 business days after your investigation, the disputed accounts and/or the listed information must be removed.

Enclosed you will find copies of my ID and a utility bill for identity and address verification.

Looking forward to your prompt attention to this matter.
Product: Credit card

On XX/XX/XXXX a registered security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . A billing error notice was submitted and an instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly and was closed. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, XXXXXXXX XXXX  and UCC rules and guidelines in relation to handling securities. So, once the forensic audit proves my XXXX number is being transferred, sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of securities fraud.
Product: Debt collection

XX/XX/XXXX, I opened mail that looked to be a debt collector. It was from XXXX, saying I owed {$800.00} as of XX/XX/year>. I have no XXXX account open! I called the debt company which is Southwest credit Systems. They read me back all my information including my social security number and the address XXXX XXXX XXXX XXXX, il XXXX. I have never lived in XXXXXXXX XXXX! I did some research on the internet for public information. I only found a possible owner of the home, XXXX XXXX XXXX XXXX that works at XXXX XXXX  XXXX. I found other names linked to the address and strangely they are all workers of XXXXXXXX XXXX XXXXXXXX. I dont know how these people stole my information and how am I just finding out. I need answers and if I need a lawyer I can do that.
Product: Credit reporting

I reported a public record inaccuracy to Equifax and XXXX via XXXX XXXX. This item is a judgement that has inaccurate information. XXXX removed this item from my credit report due to not being able to verify accuracy. Equifax marked this item as " satisfied '' which is still inaccurate and refuses to provide me any information as to how this was verified per the FCRA 611 ( 15 U.S.C. 1681I ) that states that this information must be given to me or verified. They refuse to address the inaccuracies with me and refuse to resolve the issue. This judgement has never been executed by the courts or by the creditor and the original creditor has not provided any of this information to Equifax. Equifax used a third party to gain this information and refuses to verify the validity and inaccuracies to this account.
Product: Debt collection

Around XX/XX/2020 I received a letter from XXXX XXXX XXXX on behalf of LVNV Funding trying to collect money I do not owe. They are making false statements in regards to amount to be collected which I never heard of. I submitted a dispute of the validity of the debt and any portion there of according to a paragraph from there own letter and the rights the law gives me as a consumer. LVNV Funding nor XXXX XXXX replied to my letter of validation. I advised in the letter not to report any information to my credit report because this account is not yet validated. On XX/XX/XXXX, I received notification from XXXX that LVNV Funding reported a collection to my credit report. This is a straight violation of the FDCPA laws and or FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that my personal information such as my name, address, phone number, and other sensitive information regarding alleged debt, accounts, etc are being used by several companies without my written consent or approval. One of those companies is Equifax. I have requested that Equifax stop the slander and misinformation of reporting negative Consumer transactions about the Estate of XXXX XXXX. I request the Equifax provide a signed contract agreement between XXXX XXXX XXXX Equifax which authorizes them to use the name XXXX XXXX in association with any alleged debt or consumer transaction.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX I hereby dispute the validity of the alleged debt listed above Entirely, I also request verification of the alleged debt, Spectifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, EQUIFAX, XXXX AND XXXX. You must Cease Collection efforts until this alleged debt is validated you must show proof that you legally own this alleged debt and that it is accurate and complete thank you, XXXX XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX # 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.

When the car was repossessed, I did not receive any information on the car such as ; 1.if it was sold or going to be auctioned off so that I could have a chance to redeem the car. 2. For years they have been reporting two different amounts as to what I owe. 3.Ive contacted them on numerous occasions to send me validation of this debt, and the amount it was sold for. I also had GAP insurance on this car which means some of what I owed was paid off. I have yet gotten a response. I am requesting this account be taken off my credit report.
Product: Money transfer, virtual currency, or money service

I am following a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Theses actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/1997 Balance {$99000.00}
Product: Credit card

XXXX XXXX - US Bank credit card -- false advertising! I am disappointed and angry about intentionally false and misleading advertising for the US Bank XXXX XXXX credit card. I was recently approved for, and paid the annual fee for, this credit card. The major benefit they advertise is a free night when making a reward reservation for cardholders. This was the reason I chose this card instead of a competitor like a XXXX credit card. Only a week after getting the card, I find out they have cancelled the benefit. Of course they were planning this while still advertising the benefit, to falsely induce more consumers into joining the card. They should be legally required to continue offering the benefit for all current cardholders, who relied on their promised benefits in signing up for the card.
Product: Student loan

Aidvantage student loans.. 

On XX/XX/XXXX I put in a request for a refund for the payments I made during the pandemic. The refund was submitted, and I was told XXXX weeks and that my refund would be sent electronically to my bank account. 

On XX/XX/XXXX I called back because I didnt receive any sort of confirmation or loan update. I was told there is no confirmation but my request went through. I also asked about the student loan forgiveness. I asked if I could apply once the application went out. I was told no- and to wait for my refund first and then apply. 

On XX/XX/XXXX I reached out through email to ask if there was any update with my loan. I received an email back on XX/XX/XXXX stating it could be delayed and thanks for my patience. 

XX/XX/XXXX i reached back out regarding if I could apply for student forgiveness. On XXXX I was told I could apply and there was no update for my loan. 

Aidvantage has had their site down since yesterday XXXX. Today XX/XX/XXXX there has been a hold on student loan forgiveness for all borrowers. 

I am so unbelievably frustrated with the lack of communication, the fact that I still havent received my repayment, and the fact that no one has the same information on regarding what to do. 

Now I may be out of my loan forgiveness due to the information I was given. And I still havent received my refund.
Product: Debt collection

complaint id XXXX CONSUMER ADJUSTMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX collection company for the following! 
Orignally on my credit report XX/XX/2020, as XXXX  XXXX XXXX. 
Now on my report as : XXXX XXXX XXXX  {$960.00} same amount and account number! 
I have certified mailed, a identitytheft.gov report to all involved. Your investigation, they have said there isn't activity. Which is false. Still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies make it so you ca n't dispute anything on your report. Everyone should know how crooked this is and its setup so you ca n't dispute. The whole credit score and identity theft is a joke and people need to quit buying into this whole farce.
Product: Vehicle loan or lease

I will start with the back story. In XXXX to XXXX, I owned two properties and due to limited income no renters and damage to both properties and retiring from the XXXX was causing hardship until evaluation of my current status of being XXXX XXXX XXXX by the VA. I had to make a choice keep the mortgage on the house I was selling or the house I was in, so when attempting to work with XXXX and being late, they started to put residency in foreclosure. I told them I would have the money in 2 weeks and they said too late. My choice at that time was to start Chapter XXXX proceedings but, with the intensions of dismissing. On XX/XX/XXXX I filed Chapter XXXX with XXXX XXXX, XXXX, and no other creditors. On XX/XX/XXXX I contacted my bank Navy Federal Credit Union ( NFCU ) and  explained the issue to them. I was told at the time my credit card account would be frozen, owing XXXX, and to let the bank know of the dismissal. I notified was dismissed and was told accounts would be returned to normal. During the time I continued to make my card payments and vehicle payments without delay ( XXXX for vehicle a month ). 

On the XX/XX/XXXX, I was in a car accident that totaled my vehicle. My 1st bi monthly payment was taken out and asked a delay until XX/XX/XXXX due to the vehicle being paid off. The vehicles was paid off middle just before XXXX Holidays. 

Since the amount owed of XXXX, it has been paid down to XXXX and my vehicle note has been paid off and payments were made or if not paid a late fee when but was caught up within 15 days. My credit report shows no late dues to NFCU. I have already have a holding of XXXX on a vehicle and trying to get a XXXX loan. I was told I was denied due to late house payments and a revoked credit card. I told them I didn't have a revoked card, they told me it was NFCU credit card. I was transferred to representative from the credit card section, who told me it was closed around the same time of the Chapter XXXX that as the grantor decided not to continue my card, which I was told frozen and reopened at dismissal on XX/XX/XXXX. I was further told the account could not be reopened because it was closed. Their own bank is using an account they closed and I have been on time with the payments against me for a vehicle loan but also plummeted me negative showing it a closed account for XXXX still owing like I am a bad person for any institution to loan make a loan to and limit because it is not a revolving debt to get hired within the government system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is the owner of the student loans I have, XXXX. I pay some and others are in forbearance. They still report negatively to my credit report monthly and its the only thing KILLING MY Score and all accounts are in good standing!

For the last year and 1/2. Please help us make this stop!!

Its bad enough interest is through the roof.
Product: Checking or savings account

I attempted to withdrawl {$110.00} from my Chase checking account at the Chase ATM on XX/XX/, Funds were not dispensed and i was given a receipt with a message that said " We aren't able to give cash right now. '' The funds were immediately taken from my account. I decided to go into the chase branch and explain the situation. they told me to call customer service. I called them within 20 minutes and they explained I would be given a temporary credit pending investigation within a few hours. after a few hours I called back and was told it takes 24 hours. i called back daily and eventually was credited on the XXXX XXXX XXXX XXXX the temproary credit was taken back and chase had closed the investigation claiming I authorized the transaction. I called back and explained I never disputed authortizing it. I disputed receieving the funds. they told me i'd have to go into a chase branch and have them fax a copy of the receipt the machine dispensed. I went ahead and did that on the XXXX. I called back and they said the case would be re-opened within 48 hours. It's now XX/XX/XXXX. I called to see why the case has not been re-opened. they explained to me it wouldn't be re-opened because it was already closed and if I had submitted evidence it would be reviewed within 24 hours. I explained it had been over 24 hours and they said I should receieve an alert tomorrow. 

I don't trust them anymore. I'm very disgruntled and i'm behind on bills because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have report this student loan to the ftc since XXXX and nothing has been done i just did 2 new ftc report on XX/XX/XXXX and also request for verification from them and nothing have been sent the student loan was report to me credit before and it was deleted and not it came back on just a difference account number
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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