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

I opened a checking account with Truist Bank last month ( early XX/XX/2023 ). On XX/XX/2023, I deposited my paycheck from the state of Florida into my new checking account. I received a notice before finalizing the mobile deposit informing that funds should be available by the next business day. Today ( Tuesday, XX/XX/2023 ), I have been informed that there is an " exceptional/administrative hold '' on the deposit. I received an email stating that because my account is less than 30 days old, a hold has been placed on the funds until XX/XX/2023. I need this money to pay rent and various other bills. At no time during the checking enrollment process was I clearly, conspicuously informed that such holds were possible. Any indication that a hold was possible was buried deep within terms and conditions. Withholding such information, or refusing to provide it in a clear and obvious manner is deceptive and unfair to the average consumer. I contacted Truist and was told there was no to either cancel the deposit or expedite the availability of the funds into my checking account. Now, I have no way to pay for my expenses until the XXXX.
Product: Credit reporting or other personal consumer reports

These accounts are unauthorized and are not mine. I have no knowledge of these accounts listed : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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

In XX/XX/XXXX, I began paying back my student loan. This loan was later purchased by Nelnet. I continued making regular payments on this loan, and I began making larger payments to retire this debt. On XX/XX/XXXX, I called Nelnet to inquire the exact amount needed to close and payoff the loan in its entirety. Based upon that phone call, on XX/XX/XXXX, I made a final payment on this loan, the balance was made {$0.00}. I specifically asked them to send me a written letter confirming that I do not have any further balance. 
I called back in early XXXX and inXX/XX/XXXX. Both times, I was advised that I would receive this letter within 60 days. I still have not received any written proof from Nelnet that my account is closed and this student loan is paid off. In using the website, Nelnet indicates there is a " {$0.00} '' balance, and no payment is due and owing. But they refused to send me a letter so that in the future, there can be no doubt about this situation. I also contacted the Credit Reporting Agency in XX/XX/XXXX to determine whether any negative mark was made against my credit. I am waiting for a response. I am filing this complaint because Nelnet refuses to respond to reasonable request for written proof that my account has been paid in full.
Product: Debt collection

On XX/XX/2020, I sent a letter to this company under the name of Midland Funding LLC for account number XXXX for a balance of {$370.00} reported as an account in collections. I asked them in writing to send me a copy of the signed credit application for the debt from the original creditor with whom I had filed an identity theft report in the past. 

XXXX months have passed and I have not received a response. Perhaps they replied and the post office is delayed and this is why I waited three months to file this complaint.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Numbers : XXXX XXXX XXXX XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Lastly, pursuant to 18 U.S.C. 894, whoever knowingly uses or conspires to use extortionate means in the collection of any extension of credit or punishment for the non-payment thereof may be imprisoned by up to 20 years.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX XXXX  {$25000.00} ; DEPT OF EDXXXX XXXX XXXX : {$6500.00} ; DEPT OF EDXXXX XXXX XXXX : {$3400.00} ;
Product: Student loan

I was unable to make payments to Chase for the first 3 months when my loan repayment started. I attempted to pay what I was able for those months. Chase did not accept my payments. Now, they will not give me information about the status of my loan and I do not know how to makes payments. I am now gainfully employed- not sure if Chase sold my loan off or what the status of it is.
Product: Debt collection

This account is not mine. I have no knowledge of this account. I have reached out to the creditors to let them know that this is not my account please remove off of my report
Product: Debt collection

I have never received any notification, written nor verbal regarding any debt or amount still owed to XXXX   Hospital. The only way I found out was when my credit was checked by an authorized company. The amount stated on my credit reports is {$110.00} owed from XX/XX/2018. I have attached the letter I sent to XXXX XXXX XXXX with a copy of my bank account entry from XX/XX/2018, showing I paid this on the date of my hospital visit. It was never past due.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX usage - % credit usage unavailable Balance - Balance updated- Credit limit {$250.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2020 Account type Secured Card Payment summary 2020 XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - Status Paid, Closed/Never late. 
Status updated XX/XX/2020 Highest balance $ XXXX  Monthly payment - Last payment dateXXXX XXXX XXXX  Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : DEPT OF EDUCATIONXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX was the owner of a prior debt. Five days after I settled this debt the same account was sold to another debt collector. The new debt collector Commonwealth Financial refuses to remove debt from credit report.
Product: Credit card

My client whom I have POA for has been signed up by Paypal for a credit card that she did n't want and has had to pay a late payment. We want the card cancelled and the late fee refunded.
Product: Credit reporting or other personal consumer reports

I am reaching out to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX regarding Account # XXXX. # XXXX ( XXXX XXXX ), # XXXX ( XXXXXXXX XXXX XXXX XXXX  ). 

In particular, XXXX XXXX has infringed upon my rights in accordance with : 15 U.S.C. 1681 Section 602 ( a ), which grants me the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ), which stipulates that a consumer reporting agency is prohibited from providing information about my account without my explicit written consent. 

Furthermore, XXXX XXXX has inaccurately reported late payments on this account, despite my history of on-time payments. 

Also I want to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX, regarding Account # XXXX, and XXXX XXXX XXXX XXXX regarding account # XXXX. 

XXXX XXXX and XXXX XXXX XXXX XXXX has infringed upon my rights in accordance with : 15 U.S.C. 1681 Section 602 ( a ), which grants me the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ), which stipulates that a consumer reporting agency is prohibited from providing information about my account without my explicit written consent.
Product: Debt collection

The original creditors sold the debt to a debt collectors of which I have no legal contract with. I refuse to pay them. The original creditors have already been paid when they sold the debt to the debt collectors.
Product: Credit card or prepaid card

On XX/XX/2022 I was informed by email that my account with Apple Card/ Goldman Sachs was closed. No further explanation was provided. The letter stated that I can request documentation as to the specific reason my account was closed to reach out to Apple/Goldman Sachs which I did. I received a letter dated XX/XX/2022 stating my account was closed for " Regulatory Reasons. '' I want an explanation as to what " regulatory reason '' was used to close my account. 

I used my account no more than XXXX times and for simple purchases such as hair cuts and at XXXX. 

No action by myself should have resulted in my account being closed. I want an explanation for their reasoning. Their actions have had a negative impact on my financial and credit aspects of my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXp Account # XXXX, has violated my rights. 15 U.S.C 1681e Section ( b ). States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( ii ) the information is, in fact, inaccurate. As defined by the IRS even if you didnt receive a Form 1099-C you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income. INCOME does not get reported on the consumer report which means charge off is inaccurate.
Product: Debt collection

On XXXX I reached out to Action Collection Agency to resolve a debt on an old medical bill when I did n't have insurance for the amount {$790.00}. 

I have been working with a mortgage company to be qualified for a house that my wife and I have been looking at to be conditionally approved with a favorable rate the mortgage company requested the negative trade line be deleted to give me the credit score bump to cross that thresh hold to qualify. 

On a recorded line with Action Collection Agency we made an agreement that if I paid in full that the tradeline would be deleted. The women I spoke to asked her manager and she agreed to delete. The mortgage company faxed over a letter confirming what they told me. 

I waited a few days and the mortgage company called and gave me the bad news. I was not approved at a reasonable rate. 
The account was updated to " Paid Collection ''. 
1. This is not was what agreed upon with ACA. It was clear that it was to be deleted. 
2. " Paid collection '' stays on your credit file for 7.5 years barring me from a reasonable mortgage until that time. 

This had been a huge disappointment for me and my wife. We essentially had to turn down the mortgage offer on a house that we had fallen on love with after a several month process. I am a man of my word and I expect ACA to act with integrity and right this wrong.
Product: Debt collection

Express Recovery is trying to collect ( 8 ) charges from the XXXX XXXX XXXX XXXX- this was an Auto Accident, it has been paid -- I called them and told them ( there were only 2 charges on my cbr at that moment ) -- they added 6 more -- I have statements from the XXXX XXXX XXXX showing 0 owed, email from the attorney with the negotiations, copy of the check sent to the XXXX XXXX XXXX and their 1st collection agency .. Express Recovery is about the 3rd one All of my bills have been paid in full and should be removed from my cbr
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Transunion responded to my CFPB complaint # XXXX stating that they called the credit grantor and verified two account that are inaccurately reporting on my Transunion credit report : 1. XXXX # XXXX 2. XXXX XXXX  # XXXX On XX/XX/2018, XXXX responded to my CFPB complaint # XXXX regarding the exact same accounts. They also called XXXX and XXXX XXXX and informed them of my dispute. As a result of XXXX  thorough and complete investigation, the above-mentioned accounts could not be verified, and have been removed from my credit report. Its quite clear that Transunion is not doing a thorough and complete investigation, which Im sure, is a violation of the FCRA.

Transunion has had more than enough time to conduct their investigation, and Im still waiting for the evidence proving that these accounts are mine, or that I have the liability, responsibility or ownership of the above-mentioned. 


Transunion need to delete the accounts now. 

I have attached XXXX  response to my CFPB complaint and their investigation results dated XX/XX/XXXX confirmation # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in my dispute/fraudulent letter with proof from 3 notarized authorizations along with police reports to show proof of identity to XXXX, XXXX & Experian. My information has been stolen in 2016 & a couple more years back during the summer! Ive even sent XXXX my CORRECT date of birth with proof of identification like theyve requested & STILL NO UPDATE THIS WEEK TO MY INFORMATION! I thought my account was protected but I guess not! Im just getting my life started. I just found out what credit was at the end of last year!
Product: Debt collection

Following a careful examination of my recent credit report, I noticed various accounts that appear to be erroneous and were added without my knowledge.
Product: Mortgage

SPS Select Portfoloio Servincing , Inc. continues to send someone every month on Saturday to deliver notes to contact them at XXXX. In addition, they take photos of the property.
Product: Credit card

My credit monitoring service has flagged a hard inquiry from CBNA, XXXX XXXX XXXX, XXXX XXXX, IA XXXX on XXXX/XXXX/2016. Online research seems to indicate that this is Citibank. While I have held Citibank cards for many years I have neither used one recently nor have I applied for credit with Citi. I have not authorized this hard inquiry and want it removed from my credit report ( so far at XXXX ). I have had some attempted credit fraud earlier this year and want to be sure that this is not unauthorized activity but can not seem to get any response to my inquiries at Citi.
Product: Money transfer, virtual currency, or money service

Recently tried to cash a check ( {$160.00} ) through the mobile check cashing system on XXXX. That was done on XX/XX/XXXX. XXXX rejected the check after VOID was written on it, per instructions to do so. When I contacted my employer, XXXX XXXX XXXX, they said the check shows it was CLEARED on the XXXX of XXXX under their payroll department called XXXX. The funds were never received into any XXXX account I have not into any other of my banking accounts. 

XXXX says the checked was cleared by 2 banks. XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I contracted both companies. The XXXX says they are not a bank who deals with money in that way and I would need to call tXXXX XXXX XXXX XXXX XXXXXXXX. I contacted them only to be hung up, on several occasions, without receiving any help on the matter. 

XXXX money Customer support gave me the info to INGO money, the service that deals with the cashing systems. I contacted INGO through their multiple customer service numbers and online chat, but NO ONE SEEMS TO WORK THERE. Call time waits are over AN HOUR and I have constantly been sitting on the chat line, without a single response for DAYS. 

UPDATE : Both numbers for INGO now seem to be disconnected - ( XXXX ) XXXX & ( XXXX ) XXXX The banking info I received that says the XXXX and the XXXX shows the transactions numbers. XXXX XXXX XXXX XXXX XXXXXXXX WILL NOT ASSIST ME SAYING THEY HAVE NO INFORMATION ON THE CHECK. 

XXXX XXXX XXXX XXXX XXXX  XXXX Bank Name : XXXX XXXX XXXX XXXXXXXX ( XXXX ) Date : XX/XX/2024 R/T : XXXX Sequence Number : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/202XXXX XXXX : XXXX Sequence Number : XXXX Neither of these institutions were willing to help. INGO money is unresponsive and will block your calls. My money has been stolen from me and no one seems to know anything or can do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

i had been a victim of ID theft, a XXXX account was opened with out my knowledge and this is effecting my social security and they are about to cut and disconnect my social security .because if this inaccuracy, please i will be homeless i have spoken to the creditor and also disputed with the bureaus only equifax is the one who is not cooperating in this issue, i have called many times and provided documents even a police report and the FTC report as well. anything they requested, but they are not even helping me in this situation, please you are my last hope, my daughter told me write a complaint on equifax, please i will be homeless .i need your help in order to fight this battle thank you
Product: Money transfer, virtual currency, or money service

I accidentally submitted an incorrect account number through Navy Federal Credit Union ( NFCU ) to XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX number was off ). Both accounts that should have been involved in the transaction are in my name. After I realized this, I reached out to every party possible ( originating bank, receiving bank, XXXX, etc. ) and received no help. I requested contact information for the account owner so that I could reach out to see if they would voluntarily return the funds. Both financial institutions refused to submit disputes or provide me with resources, despite the fact that all transactions occurred on their websites. 

Transactions : XXXX XXXX XXXX} transferred via XXXX XX/XX/2023 : payment finalized to wrong account XX/XX/2023 : notified that transaction was finalized on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two late payments for my car note from Chrysler Capital for months XX/XX/XXXX and XX/XX/XXXX on my credit report from XXXX. The finance company offered Covid relief during this time and advised they would not report negative remarks during the pandemic. I attempted to dispute again and they will not allow it if I don't have documentation. I feel the dates are self explanatory, I don't have any documentation, I spoke to a rep over the phone.R
Product: Credit reporting or other personal consumer reports

XXXX USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Product: Credit reporting or other personal consumer reports

Experian Credit Reporting is in violation of reporting a fraudulent account on my credit report. They agreed to remove it after verifying the account did not belong to me. They removed it and blocked it. A year later it has been placed back on my report. I need help removing account XXXX XXXX from my Experian credit report immediately. The information from the account does not belong to me.
Product: Money transfer, virtual currency, or money service

I was selling a XXXX XXXX on XXXX XXXX and someone messaged me that they wnated to buy it and they asked for my number so I gave it than he said we could do the transactions threw a XXXX XXXX so I downloaded the XXXX XXXX and than started to receive emails thinking it was XXXX XXXX the email was saying that that the buyer had a business account and I needed to deposit {$200.00} to make myself have a business account so they can transfer the money into my account which would be refundable then I was giving directions on how to get {$200.00} worth of gift cards and {$50.00} portions and email them back to them on that same address then it followed with another email saying that one of the cards did not go through that wish had something to do with it that I would need to get another card I'll {$50.00} and send it to them that is when I call you to ask if this was legit