23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is not related to the payment process from our side. No option matches the issue we're having with Truist Bank.

Hurricane Ian caused severe damage to our home. We have worked with XXXX XXXX and a contractor to get everything paid for and rebuilt. XXXX XXXX has been wonderful working through the process. We finally have drywall up in all of our rooms. The problem is that Truist is holding our money from XXXX XXXX. We have tried in good faith to follow their process of sending them the checks and adjustment forms. We have also tried to get an initial inspection done so they can believe that we are rebuilding our home and release the money so we can pay our obligations. They change the dates of the inspection requests every time we contact them and have canceled the inspections saying we did not return a voicemail call from the inspector. We had no missed calls or messages on the day in question XX/XX/23 ( why would someone only try on one day ). Our initial online request for the initial inspection was on XX/XX/23 when they told us they would be holding our money from XXXX XXXX. We will have to stop rebuilding if they keep holding the money. They are currently holding about {$51000.00}. We still have more that will be coming from XXXX XXXX, and we feel like Truist, and the Insurance Claims Check people are taking unfair advantage of us while we are still trying to rebuild our lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting Agencies illegally allowed XXXX XXXX XXXX, to continually add late payments to my account after they charged off the account. When this account started reporting as closed there should not have been any more delinquencies, but this account has been continually reporting late payments. This account has been closed since XX/XX/XXXX and my credit reports are showing late payments up to XX/XX/XXXX. This account is also showing as a charge-off since XX/XX/XXXX, but again the credit bureaus are continually allowing this company to illegally report late payments, that's impossible to late on a closed account.
Product: Debt collection

THIS COLLECTION ACCOUNT APPEARS ON MY CREDIT REPORT THAT IS NOT MINE.
Product: Debt collection

Credit Penn Corporarion has given me a derogatory XXXX on my XXXX XXXX based on inaccurate information. I do not have an outstanding debt with XXXX ( original account holder ) The account was paid in full and closed. I contacted XXXX AND Credit Penn corporation and I am getting the run around. Meanwhile my score has dropped XXXX points. XXXX XXXX of credit Corp Penn told me he could not take my word or confirmation number I retrieved from XXXX to prove I have no outstanding balances. The confirmation number is : XXXX XXXX has told me to contact the credit bureau, so this is my attempt to clear this matter before Credit Penn Corporstion report again with a derogatory mark.
Product: Checking or savings account

XX/XX/XXXX, I transferred {$220.00} from my bank account into my Juno account. 

On XX/XX/XXXX, I attempted to transfer funds of {$200.00} to another banking source, which is when I noticed that they weren't allowing any transactions to go out of my account. 

I then attempted to put my funds into a crypto purchase, and noticed that all the options to purchased were not available. 

XX/XX/XXXX, I inquired on what is going on with my account, and they then responded on XX/XX/XXXX with this message : XXXX XXXX, I deeply regret to inform you that there is a temporary disruption in our services, and unfortunately, we are unable to provide a specific timeline for resolution at this moment. 

Since the services are disrupted your transaction was returned. 

Currently, only crypto deposits, withdrawals, and sales are operational. I understand how frustrating this situation must be for you, and I sincerely apologize for any inconvenience it may cause. 

Please know that we are actively working to resolve the issue, and we will keep you updated as soon as we have more information. Your patience and understanding during this time are truly appreciated. 

You can also refer to the below link to get a real-time status of the services. 
Juno Service Updates | Juno FAQs I followed up asking how I can access my funds on XX/XX/year>, and this was their response : Hello XXXX We're writing to provide an update on the current situation. We are fully aware of the challenges you've been facing due to the recent disruption in banking services and the inconvenience it has caused. Please be assured that our team is tirelessly working with our Brokerage partner, XXXX, and banking services provider, XXXX XXXX XXXX XXXX, to restore full service as soon as possible. 

Currently, XXXX XXXX  XXXX XXXX has frozen all card payments. While this is outside our direct control, we are constantly communicating our users concerns with XXXX XXXX  XXXX XXXX and their regulator, the Federal Reserve Bank XXXX XXXX XXXX, to expedite the reactivation of XXXX, Wire, and card processing for all accounts. 

As stated in all brokerage account agreements, customer funds in the XXXX XXXX XXXX are deposited in a network of member FDIC banks. Funds held in these banks are eligible for FDIC insurance up to {$250000.00} for each account. Additionally, funds held with XXXX XXXX also have XXXX insurance up to {$500000.00}, including {$250000.00} for cash, for each account. Furthermore, as a US customer, you have the option to voice your concerns and frustrations directly to the Federal Reserve Bank XXXX XXXX XXXX. This will help them better grasp the seriousness of XXXX 's actions and the impact they have on you. To express your concerns, you can call their complaint line at XXXX or file an e-complaint at XXXX XXXX XXXX 

We will continue to be transparent and provide regular updates as the situation progresses. We are committed to exploring all possible avenues to improve your banking experience. Our team is always available to answer any questions you may have. 

Thank you for your understanding and continued support. 

Regards, The Juno XXXX XXXX Juno
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service an unfair practice which violates the consumer financial protection act. Specifically cash app failed to take time and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Funds Transfer act and regulation E. These actions have caused significance inconvenience and financial loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX XXXX TRANSUNION Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX ). XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX ). PXXXX XXXXUPDATED Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries viewed by others and by you currently listed on my Chex Systems Consumer Report ID : XXXX are fraudulent, unauthorized, and not my inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. I want Chex Systems to immediately delete and remove the fraudulent and unauthorized inquiries from my consumer report today and send me an updated copy of my consumer report via U.S. mail. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX I lost a job. As a consequence I had problems paying bills. 

One of the bills was XXXX XXXX. The account was turned over to XXXX XXXX XXXX in XXXX, NY. 

Subsequently I contacted them to see if there was a way to settle the account. 

They told me it had been given to a law office and gave me the number. 

I called a number of times ( 3-4 ) and left voice mail but never got a call back. 

I 've called XXXX and never been able to reach anyone to talk to about the account.
Product: Debt collection

The credit bureaus refused to provide you their MOV ( Method of Verification ) for the ( SOUTHWEST CREDIT SYSTEM ) listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : 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 the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account.
Product: Mortgage

While shopping for a loan for a refi, potential lender pulled my credit without permission or authorization. At no time during the conversation was I asked if I authorized a credit pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX # XXXX IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX IDENTITY THEFT XXXX XXXX XXXX  # XXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In XXXX sometime, I received a call from a PRIVATE NUMBER!! I answered and it was Phoenix Financial Service Collections. They said this was a LEAGL Matter! Being very scared and dealing with a husband who has XXXX I freaked out. They told me, They were collecting a debt of {$400.00}. I then said, your taking legal action against me, if I do not pay this and they said, YES! I need to pay or they would see me in court! I demanded a bill for what it was they were trying to cleat as I have NO accounting for owing any medical bills at ALL! I then said, your calling a Cell Phone without express written consent which violated TCPA. At that point he said, he had no clue he was calling a cell phone and hung up on me! I never received a bill or anything! Which is a violation of my rights under the FDCPA! And now there is a charge off on my credit! This needs to be fixed ASAP? Removed!
Product: Debt collection

Hello, I have only received vague correspondence from you about this debt you claim is owed. In your response you failed to provide me with an itemized list of what is owed where the balance will total {$18000.00}. I would like to know all of your additional interest and fees that might be added or included in this amount you claim I owe. Please include how this amount was reached and where it originated from. I would also, like to know when and how you obtained this debt? What type of debt is this? Is this a judgement, credit card, etc. 
Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ),  EOS CCA ( Original Creditor : XXXX XXXX ), and XXXX XXXX ( Original Creditor : 06 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX ), EOS CCA ( Original Creditor : 10 XXXX ), and  XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEAPRTMENT TODAYS DATE : XX/XX/XXXX AMERICAN PROFIT RECOVE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERICAN PROFIT RECOVE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts below from my report : XXXX XXXX XXXX Date Opened XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

They changed my current address to an address that was my previous address over 10 years ago and refuse to fix it. I have uploaded and submitted my drivers license and mortgage document as proof but nothing has been done.
Product: Credit card

My phone was stolen in XXXX back in XXXX, and, unbeknowst to me, the thieves had my passcode. They used it to empty out my life savings out of my bank account via XXXX, XXXX, and XXXX as well as racked up thousands in credit card charges with my Bank of America credit card. All of the money taken via XXXX and XXXX was refunded to me and, eventually, after I raised a complaint with the CFPB, XXXX XXXX ( the bank where I had my checking account ) refunded the money that was taken through XXXX  as well. While Bank of America refunded most of the charges ( and recently refunded some more ), some charge they did not refund. 

These charges were made after my phone was stolen and my account compromised. They included an expensive XXXX trip, a meal at a restaurant, and a couple of major purchases at a business that I'm not familiar with. Bank of America keeps telling me that they " checked with the merchant, and the transactions appeared to be normal. '' This is because the thieves had access to my phone and were able to use it to make purchases ( I'm guessing they used XXXX XXXX at the store I wasn't familiar with, and of course my credit card was in my XXXX account, so there is no possible way that that transaction would have looked any " different '' ). I have told Bank of America of this repeatedly and sent them the ID for the police report, but they still won't refund my money. Meanwhile, the late fees have added up, and my credit score has taken a major hit. 

If you want to contact the XXXX XXXX Police regarding the case, I can provide the crime reference number ( not included here for privacy because I've selected the option to publish the description ).
Product: Credit reporting or other personal consumer reports

I noticed since XX/XX/2020 that you have charged off my XXXX XXXXXXXX XXXX XXXX XXXX, but I never received a 1099 for the balance of {$1700.00} that you reported to the IRS. Could you please forward the 1099 to me immediately or update my balance with all credit-reporting agencies to XX/XX/XXXX? You will find my email address in the information section below.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint regarding inaccurate information on my consumer report that resulted from Identity Theft.These inaccuracies have significantly and unfairly impacted my credit standing. Despite my previous efforts to address this issue directly with your agency, the matter remains unresolved. 

The items in question are listed below : [ XX/XX/XXXX XXXX - XXXX ] [ XXXXXX/XX/XXXX - XXXX ] [ XXXX XXXX - XXXX ] [ Inquiries XX/XX/XXXX] [ Inquiries -XX/XX/XXXX] These accounts are incorrect and do not accurately reflect my credit history. I am requesting an immediate investigation and the removal of the erroneous information from my consumer report as required by the FCRA 605B ( 15 U.S.C. 1681c-2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt To support my dispute, I have enclosed the following documents : A copy of my government-issued identification and proof of address for verification purposes. 
Please address this matter promptly and provide written confirmation once the investigation is completed and the inaccuracies have been resolved. If additional information is required, I can be reached at the contact information provided above. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called into the Call Center of Transunion to get inquiry issues resolved. The customer service reps did not want to help me resolve the negative inquiries reporting to my credit report. I have been a victim of inquiry issues. I have listed below the inquiries. 

1- XXXX XXXX  XX/XX/XXXX 2- XXXX XXXX XX/XX/XXXX 3- XXXX XXXX XXXX XX/XX/XXXX 4- XXXX XXXX XX/XX/XXXX