23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

This is a follow-up to unresolved complaints XXXX XXXX XXXX XXXX XXXX  Pursuant to your recent communication with XXXX XXXX, I received a letter from her dated XX/XX/XXXX, telling me once again that I would have to step inside a Truist branch to establish a new Truist wire PIN, despite being told by XXXX XXXX in their Wire Dept. that it could be done remotely,. 
BUT, in the final paragraph she then went on to say that I could close my account by writing in a request notarized by a US notary or an Apostille Seal, and that a check would be sent to me. 

I contacted the XXXX XXXX in XXXX for assistance in finding a XXXX XXXX  in XXXX, and was informed that they actually offer a notarial service at the Embassy. I duly traveled to XXXX, paid my {$50.00}, and availed of this service, and mailed the required documents to Truist on XX/XX/XXXX. 

Also, her letter was sent to my previous address of XXXX XXXX XXXX XXXX, despite my informing her of my new address on XX/XX/XXXX, and stressing that that address is now a very insecure route for correspondence. 

XX/XX/XXXX Emailed XXXX XXXX asking what the delay was but got no reply. 

XX/XX/XXXX XXXX hours later I received a secure email through XXXX XXXX from XXXX XXXX XXXX re : requested maintenance (? ) asking that I call her as she had been trying to phone me, but as I had no missed messages, that was obviously not true. 
I have called her twice on the XXXX and again on the XXXX XXXX, but had to leave voice mails, and have as yet not received a reply. 

Again, a simple mistake by Truist that could have been sorted out in minutes drags into its third year, and in all that time I have not gotten speak to any of the principals involved!
Product: Debt collection

Experian failed to properly investigate my consumer credit report disputes. When trying to fix my credit ( that my ex husband has illegally been using to acquire housing, credit cards, etc. ) I asked for a credit report. Nothing was ever sent. I disputed multiple items and addresses on the credit report I obtained from XXXX XXXX. Experian would not investigate. I know this because signatures did not match, addresses that Ive never even been in the city of are still on my record, nor did they give the full 30 days to investigate. Each of my reports were denied within 2 weeks of filing the dispute. Experian was denying every dispute, even when other companies ( ie XXXX XXXX, XXXX XXXX, etc ) showed cause of identity theft. Experian, then, improperly inserted inaccurate information into my consumer reports making my credit even worse! Because Experian made my credit worse by not removing what other credit agencies have and by adding incorrect information onto my credit report, also, because Experian did not remove these fraudulent items all of the other collection agencies copied Experian and put my disputes back on my record. Resulting in my credit getting hit for the same item twice. As a result, my and my childrens lives have been hindered drastically. Even resulting in homelessness from evictions on my record from addresses that dont and have never belonged to me. I reported each of them and Experian denied them every time. Experian definitely failed to properly investigate my consumer credit report disputes.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I do not owe the amount being claimed. I was previously informed that my double security deposit would cover all charges, and therefore, I should not have any outstanding balance. Additionally, I have never conducted business with this account or authorized its use in my name.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experion XXXX & XXXX are reporting accounts that I have no knowledge of.
Product: Vehicle loan or lease

The auto loan officer said in Words, which were recorded on their end, that my loan would start on XX/XX/XXXX and not to worry about signing although it said XX/XX/XXXX because I'll put some notes in there saying to change the loan to XX/XX/XXXX and now they won't do anything about it. 

Principle of being lied to and having to spend money earlier than expected. From a large company. This type of action or lack of reaction from there organization only makes me plan to close all my accounts asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was calling in on all XXXX of my credit history, and on Experian calls it keep asking me am I still living at this address ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX ) I NEVER EVER OR VISIT OR STAY OR EVEN HEARD OF THIS ADDRESS until I heard it over the phone trying to call in on Experian credit report so am worry it's not reported on any of my XXXX credit report so am confused why and how am getting this message is someone claiming to be me at this address need some support and answers notices this issues more then XXXX time but recently XX/XX/2021
Product: Debt collection

On XX/XX/2021 I sent a letter to CAPITAL ONE BANK USA NA. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

The account balance reported by the credit bureaus for my XXXX XXXX account contains discrepancies : XXXX : {$500.00} XXXX : {$0.00} TransUnion : {$760.00} This inconsistent reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure the maximum possible accuracy of the information reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Debt collection

I received a call from XXXX XXXX from NCS but was not able to answer. My sister called soon after and was worried, she said XXXX called her and was telling her that if I did not pay he was going to have my license taken away because I was a payment late. I then called him to place my new CC on file, and I let him know I did not appreciate him disclosing my information to a 3rd party. He got really defensive and said he gave her that information because she asked for it. He said he was just sending me an email. My sister was never authorized on my account she spoke with him once to give him a CC and from there on he always called her. This man was unpleasant to speak with, he told me he was going to cancel my payment arrangement and that I was " DONE '' and to " have fun at the DMV '' I asked for an explanation as to why he was cancelling my payment after trying to express my concern about him speaking to a 3rd party. He said because I wouldn't let him speak. I let him know this was not a legitimate reason to cancel my arrangement just because he took my complaint personal. This man had the nerve to tell me to " shut my mouth '' and that I am 2 payments behind, and he told my sister I was one. I told him I know he can't talk to people this way and there should be a level of professionalism I could get a lawyer. He said he was suspending everything since I knew what to do. I asked to speak to a supervisor and he said this like he was used to it and like he didn't care " go ahead and speak to my supervisor EXT XXXX ''. He is not allowed to speak to me or anyone in this manner just because they owe a debt and bring to his attention that he can not disclose information to someone other than the debtor. He shouldn't have that type of power to dictate when to cancel payment when the debtor is not wanting to cancel and to dictate when to take their license away and especially feel entitled to intimidate a client because he choses to take their complaint personal. 
I received a call back from XXXX his supervisor and he said he would handle it and he said he saw notes where I " authorized '' my sister before. I never have, she spoke with XXXX once to put a CC on file and from there he would always call her. I told XXXX to stop calling and emailing my sister and apparently he didn't write that in the notes.
Product: Credit card or prepaid card

I opened a XXXX credit card account with Santander in XX/XX/XXXX. I subsequently cancelled it on XX/XX/XXXX but paid the annual fee that was due prior to my cancellation ( XX/XX/XXXX ). I sent the cancellation request via certified mail return receipt requested. For their billing cycle XX/XX/XXXX - XX/XX/XXXX I received a bill for fees and interest in the amount of {$49.00}. I returned a letter reminding them I 'd cancelled the account a year before and included copies of the certified mail receipts. A few days  later I received a call from Santander requesting I call them which I did on XX/XX/XXXX ; I had long conversations with several Santander employees explaining the situation until XXXX ( # XXXX - no last names ) who assured me the account would be closed and all fees, including interest of {$1.00} which had already accrued, would be deleted. This week I received a bill for the original {$49.00} plus {$26.00} fees and interest. I think it important to point out that my husband went through this same process with Santander less than a year ago ( case # XXXX ).
Product: Checking or savings account

On XX/XX/XXXX, I went to PNC Bank to deposit my payroll check. The check was placed on hold. When calling customer service, I was told that someone placed a note on my account that all of my transaction be investigated. I have never done anything fraudulent on this account. I believe that they are racially stereotyping me cause I am a young XXXX XXXX   female. I had this very same problem two weeks prior when I deposited a {$4000.00} check from a legal settlement which was drawn on that bank. I was told there would be a 5 day hold. I could use my debit card but will not be able to withdraw and funds. According to her, this was standard procedures. I even called customer service who called my attorney to verify that I was his client. PNC Banks is really becoming a nuisance holding my funds hostage. I have XXXX kids to take off and I should not have to fight for what is mine.
Product: Payday loan, title loan, or personal loan

On XX/XX/ 2022 I sent a notarized & mail certified letters to the company JD Byrider ; Informing the company of there violation against me as a consumer. I was charged an excessive amount of interest in the amount if 21 %. According to PAs Usury law This shouldnt have happened. The maximum amount of interest that can be charged for a loan or money financed under 50k must not exceed 6 %. This company has charged me more than 3x this amount. According to the law I am entitled remedy and I am exercising my right to claim such remedy. 
I demand for them give me what the law says I am entitled to which is 3x times the amount I was charged. This totals to approx. 74k in U.S. money.
Product: Credit card or prepaid card

This complaint is regarding XXXX XXXX 's ASHLEY FURNITURE XXXX / SYNCB account ending XXXX. 
On XX/XX/2021 around XXXX PST. I called ASHLEY FURNITURE XXXX / SYNCB customer service due an unexpected balance of {$40.00} late fee appeared in my account posted since XX/XX/2021 I wasn't expecting this since I already made the payment on my account for amount of {$87.00} on XX/XX/2021 & another {$87.00} onXX/XX/2021. I was expecting that my account will be up to date. I have ask the CSR to help me out to waive the fee of {$40.00} but declined to do so. The account representative told me that he can not waive the fee and has no means of information or access to waive it. 
I then asked to be transferred to the account manager who I believe has more access to grant my request. However, the CSR told me that the manager will say the same thing and can not anymore help me out to waive the late fee of {$40.00}. 
Wow, really, seriously, for {$40.00}? As a long time customer who is asking for your help to waive this fee has been strongly denied to be help out. I have been patiently paying my debt in ASHLEY FURNITURE XXXX / SYNCB even though the I find the minimum charge on this account is so high compared to other minimum monthly payment that other credit card company is asking and aside from that, synchrony bank has been changing their minimum monthly payment amount without a notice. I mean, there should be at least a written notice from ASHLEY FURNITURE XXXX / SYNCB that consumer will expect this kind of amount to be the minimum charge on the upcoming month and so forth. 
Is this one of your scheme not to inform your customer that your monthly minimum charge will go up so that you can just boom charge us with late fee? 
I mean I've seen it fluctuates. 
I will not pay that {$40.00} extra, because i know I made the payment on time, it's just that ASHLEY FURNITURE XXXX / SYNCB changed the min. monthly charge and make it higher than I used to pay. 
All I ask is this should be settled so I can be back in my normal life. This amount of {$40.00} late fee has to be waived. 
This issue has been stressing me out and should be waive for the sake of helping out your customer. ASHLEY FURNITURE XXXX / SYNCB should extend their hands to be more considerate and don't push their costumer to pay more and more.
Product: Credit reporting or other personal consumer reports

Wells Fargo Dillards Credit Card, shows one late payment on XX/XX/year>. This account was paid to zero balance in XX/XX/year> and was never late in XXXX. Would like company to send information or proof that the information is correct, if not they need to remove the late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The thief has my SS, DOB and address. With this information, the thief conveniently called the credit reporting agencies and was able to place a fraud alert on my file and CHANGE THE PHONE NUMBERS on my account. I am SHOCKED that the credit reporting agencies allow a phone number that has been in use for 20+ years to be changed that easily and NONE of the agencies notified me of a change to my contact information. THANKS to the Credit Reporting Agency changing my phone number, the fraudsters were able to buy a car in my name with the Car Dealership contacting the FRAUDSTER at the number they had provided to the Credit Reporting Agency, i.e. XXXX. The credit report supplied to me by the dealership clearly states to contact the consumer at a fraudulent phone number to verify the application for credit. With increased sophistication of FRAUD, XXXX, TransUnion, and XXXX   CLEARLY NEED A NEW METHOD of verification besides SS, DOB and ADDRESS. Perhaps a good called ID would be a good investment.
Product: Money transfer, virtual currency, or money service

The company in question is Block , Inc. or better known as 'Square ' our new payment processing company.

We requested documentation and an explanation as to why they're holding our money for XXXX  days even though we're a credited company with XXXX  years in business with a credited history. 

They never mentioned this would happen until we processed thousands of dollars through their software and they're withholding nearly {$4000.00} and counting!
Product: Payday loan, title loan, personal loan, or advance loan

Another loan with an illegally high interest amount in state of Georgia. Can not afford to pay back
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the XXXX XXXX Account with Experian XXXX XXXX online after viewing my credit report and noticed that these accounts have been reporting a false payment history. Since the XXXX XXXX account was closed/charged off in 2019 no payment history should be reported or should be accepted buy any data furnisher after the closing date. This XXXX XXXX account is still reporting a payment history after the closing date. Please have this XXXX XXXX account removed from my credit report due to inaccurate reporting and acceptance of inaccurate reporting by Experian XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting ID THEFT for sometime now and have several fraud accounts reporting on my credit report. I have sent supporting documents showing this fraud. I have sent notarized documents as well as FTC complaint forms, yet to no avail.
Product: Credit card

I had a credit card through USAA, it was an XXXX XXXX card. I have always paid the credit on time and usually pay more than the minimum balance, so they have a minimum payment of {$00.00} due each month. XX/XX/2016 they put a minimum payment due of {$15.00}, of which I was not aware of because I have not had a minimum payment due in over a year and beyond. On XXXX XXXX, I got a phone call from a USAA collection agent requesting me to pay the over due balance. I paid the balance in full and requested them to reverse the 60 day late payment on my credit report. They refused to reverse the derogatory item from my credit report. I have not had a minimum payment due on this credit card for a very long time, so, I never thought they would install a {$15.00} minimum due. Therefore, I do n't feel this is a fair way to treat a consumer who has always paid this credit card on time. I want to file a complaint on how USAA 's no minimum payment due for many months / years and to instill a minimum due without alerting the consumer is not fair treatment. This {$15.00} minimum due that is 60 days late will now greatly impact my credit score, again which is not fair to me the consumer.