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

This is my third complaint filed in the last 5 days. The previous ones can be referenced as numbers XXXX and XXXX filed on XX/XX/XXXX and XX/XX/XXXX respectively. Since the second complaint was filed and after two emails sent to SunTrust 's senior Vice President, XXXX XXXX, I was finally contacted by a person in the Executive Services Department trying to resolve the issue created by the bank arbitrarily holding a {$10000.00} check for ten days as of today. I also contacted the SunTrust regional manager over their branches. Both offered to help but after three days, each contacted me to say that they had reached out to the SunTrust fraud department " back office '' only to find that the folks in charge there are steadfastly refusing to release my funds until XX/XX/XXXX - twelve days after they were deposited. This in spite of the fact that the issuing bank has confirmed that they funded their check on XX/XX/XXXX. Seeking contact information with the fraud department, everyone I could talk to has made it clear that the fraud staff are " not client facing '' which means they are unreachable for an appeal. Likewise, the executive offices are hiding behind a stone wall. Lower level employees have all maintained that the executive offices have no phone numbers. That's obviously not true! 

I complained that the only fraud being committed in this case was being perpetrated by SunTrust 's fraud department. They have had my money for nearly a week and still won't clear the deposit check into my account. At this late date, nothing more can be done to hasten the process. But still I want the complaints I have filed to be made public and to have the government send notice to the bank that their behavior is being observed. 

I have been with SunTrust for 35 years and have never had a check held before. The entire staff whom I have been able to contact have been unmoved by my dilemma, and unhelpful in finding a solution. Incompetency in doubling the hold by withdrawing not {$10000.00} but {$20000.00} from my account and then using the automatic " overdraft protection '' to overdraw a second account by nearly {$7500.00} only added insult to injury. Those steps effectively deprived us of access to all our cash in the bank for a couple of days. This has been maddening. 

When we get our cash on XX/XX/XXXX, we will immediately open new accounts with a competitor so that SunTrust can not bully us again in the future. Ironically, the merger with BB & T seems to have emboldened SunTrust to run roughshod over even longstanding customers. The new name, Truist, is a complete joke. These folks are proving to be dishonest and unethical in the extreme. My advice is to stay away from this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Couple different items occurred with XXXX XXXX XXXX. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report. 

Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow.

Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error. 

Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data. 

It looks a lot like XXXX XXXX XXXX is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status information of these accounts and update right away. 
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, credit repair services, or other personal consumer reports

On XXXX, XXXX XXXX add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account balance is incorrect. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified Experian regarding inaccurate information on 4 tradelines. The results that were sent to me showed no changes to any of the 4 tradelines. 

The letter was received by Experian on XX/XX/XXXX. I received their responses on XX/XX/XXXX.  This is the correspondence that shows no change to the inaccuracies that were pointed out.
Product: Bank account or service

The CFPB has advised me to submit a new grievance with regard to a previous complaint under case # XXXX. In accordance with CFPB guidelines presented to me, the Corporate Complaint Team at Santander Bank has failed to adequately state any appropriate action they have taken to resolve my concerns. Additionally, the response I received from the Corporate Complaint Manager, apparently assigned to resolve my concerns has not provided any legitimate explanation for the ENTIRE amount of funds that were withheld on my checking account. Moreover, after ( 3 ) attempts to directly address the less than satisfactory reasoning within the manager 's letter, I was only allowed to speak to a complaint advisor in place of the manager. However, the advisor had no access to my complaint letter, form or otherwise file. The advisor 's statement to me via phone was that she was " familiar '' with my complaint but she could not give me any detailed information as to what their offices do. I am left to contend, based on the response I received, that possibly my letter was not even read at all. Please be advised that I am very unsatisfied with this response from the complaint team. The letter I received is a " smoke and mirrors '', complacent approach to dismiss my complaint as meaningless. It is important to note that at the initial stage of this problem, customer support indicated that I had ( 5 ) holds on my account. These pre-authorization holds should not have occurred, but as they did, my funds were held in the amount of {$430.00} dollars. And while I have seen {$360.00} dollars of that amount returned, I have not seen the remaining balance. The complaint team refuses to take responsibility and would have the consumer totally fault the merchant. Yet, I draw your attention to the ( 3 ) attachments I have provided here that address this problem, which causes consumers problems nationally. In all, I am seeking due return on the balance of my funds and for the bank to show responsible diligence in forging way better customer satisfaction and resolve.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent through XXXX {$1200.00} that were taken from my account in XXXX XXXX XXXX to be transferred to an account in XXXX XXXX XXXX in XXXX. The money never got to the Bank in XXXX. It was verified by the recipient several times in XXXX since XX/XX/2020. After attempting many times to obtain the SWIFT number to track the transaction in XXXX, MoneyGram did not provide the information and insisted the transaction was completed. I had made at least three complaints and they closed the cases saying they do not provide the SWIFT. I obtained through the Bank in XXXX information that MoneyGram uses a company called XXXX XXXX XXXX, to manage transactions and made the transferred ; but that company do not want to review or provide any data at all either. The responsibility is MoneyGram and my hands are tie. They took the money from my account and nobody responded that there was no transferred to the bank in XXXX. Please I need help, this money pays for expenses of my elder mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse  15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1680 section 602 a state i have the right to privacy.

15 U.S.C 1681 section 602 a section 2 the off state consumer report agency can not report without my written instructions.
Product: Credit card or prepaid card

I have been a with BANK OF AMERICA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX and XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is again reporting as a missed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC sold my personal information without my verbal nor written consent to various companies unknown to myself which is violation of my privacy and identity theft and labeled it promotional inquiries, also there are additional inquiries that should not be on my consumer report. There's a total of 49 requests for inquiries into my consumer report and I was not informed either time, nor would I have consented to such a degree of invasion. I demand deletion of each inquiry mention in the letter attached, no CRA can place any information on Consumer 's credit report without their consent and this is a huge violation in their regard. They were also compensated for providing my personal information to these companies and for that I demand compensation to be sent to me via check to the address in the attached inquiry removal letter. I shall provide invoice notating each violation and the amount required by me the federally protected consumer, natural person and original creditor. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX, US DEPT OF EDUCATION XXXX, XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


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

I have noticed that I have a hard credit inquire from your company on my XXXX, XXXX   and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX # XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX
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 deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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. 
Company Inquiries : 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: Checking or savings account

On XX/XX/2019, I was in the XXXX Airport. That is the date the fraudulent charges started. I received a call from Suntrust Fraud Department 2 days later, where they asked me over the phone to review charges and say if they were mine. At the end of the call, I was advised they would send a list for my signature, and I would be able to review charges to ensure we caught them all. Next thing I heard was on XX/XX/XXXX, when Suntrust reversed an approximate {$2300.00} provisional credit they had applied since I had not responded. I went to my local SunTrust and completed the form on XX/XX/XXXX and discovered over {$7000.00} worth of fraud had occurred. And, most were quite obvious, as they were happening in XXXX Ohio, and I live in XXXX XXXX. I then had the SunTrust representative fax it to the fraud department. I have the fax receipt. 

To begin, the reversal of the initial provisional credit occurred prior to the 60 days allowed to report fraud. I have also not been given a provisional credit for the {$7000.00} within 10 days as mandated. 

Numerous calls and faxes and nothing has happened. I just want this resolved.
Product: Checking or savings account

I recently re-ordered checks for my checking account of 27 years with Bank of America. When I received my check order, the checks included " POD and one of my beneficiaries ' names ''. I never authorized the information to be included on the checks nor would I have ever authorized only one of my beneficiaries to appear on the check and not the other. Bank of America informed me that this is a new policy. I was not informed via mail or email that this was going to be a new policy effective XXXX XXXX was also informed that the missing beneficiary was an " error '' after being informed by another representative that there was only one beneficiary on the account. I also asked for a copy of a letter or notification regarding the new policy. A supervisor from financial services transferred me to the " check department '' and they were unable to provide me with a copy of the new policy. Personal financial information such as beneficiaries should not be required to be listed on checks which are written to utility companies, businesses, etc. nor for anyone to see other than the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed several complaints with all three bureaus due to multiple names, addresses, phone numbers and employers listed on my credit report.. I've also sent XXXX forms of identification to support my claim. 
This is the second report i've filed with CFPB because for some reason the first complaint was lost or is not showing up. 
There were several letters sent at the begining of XX/XX/XXXX and after XX/XX/XXXX. These letters were also sent via certified mail, asking to verify all debts in collections and inquiries. I have yet to receive a response. 
All three bureaus refuse to remove the excess and inaccurate information on my credit report making it hard for me to verify myself if i have XXXX addresses listed and XXXX names that aren't mine.. some of the names were even misspelled. Below you will find all my supporting evidence including receipts of mail sent, the many names and address listed as well.
Product: Debt collection

On or about XX/XX/XXXX I transfer my phone numbers from XXXX to XXXX. Before I did this I call many times telling them I was getting more drop calls than finish calls, They chose to do nothing to help the problem. They will not trouble shoot my phones. Due to my job I needed reliable service so I cancel with XXXX. So on XX/XX/XXXX over 3 years of canceling service there collection company Jefferson Capital System reported it to all 3 credit bureau. This should of been done 3 years ago. I am going to look into legal action on both XXXX and Jefferson Capital System if not removed from my credit recorder. Neither XXXX or Jefferson ever contacted me before they took this action!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests and 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 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: Payday loan, title loan, or personal loan

I got a loan from Advance Financial. They say that it is an " installment '' loan, but their business is more set up like a Payday/shark loan type establishment. They accrue interest daily on accounts and the APR is almost 300 %! Their current statement shows that I owe them {$4400.00} for an original loan amount of {$2600.00}. This is after they took out a payment of {$560.00} last week from my bank account, WHICH I DID NOT SET UP AS A PAYMENT IN THE FIRST PLACE. But neither my bank nor the company will refund the funds that were taken. I don't see how they are operating legally with this type of exorbitant interest charged to " customers ''. Their guise is that they are a " family lender '', but are really financially raping and taking advantage of the most vulnerable and economically disadvantaged people. 

I talked to a bankruptcy lawyer, but he thinks it would be better for me to settle with any accounts that I can on my own. They emailed me a " settlement '' for {$4300.00}! I found that insanely amusing to offer a " settlement '' where they are profiting almost DOUBLE!!!! ( In addition to the almost {$600.00} they just took from me. ) I think this company needs to have a class action lawsuit brought against them, and repay some of the money they swindled from the " families that they helped ''. 

Their info : Advance Financial XXXX XXXX XXXX XXXX, TN XXXX ph : XXXX-XXXX-XXXX
Product: Student loan

I had fraud on my student loan over XXXX. Sallie Mae held the loan. Navient bought it. Monies dispersed to a college I never attended in another county. College shut down and Ive contacted Navient fraud over 20 times, no resolve. They say since it happened before they bought the loan they arent responsible. I called FBI, etc and they did paperwork. I was sent notice from XXXX  DC about my identity being compromised. Still no resolve and interest is growing. I need this issue resolved its been over 6 years trying to get someone to take responsibility. 

Navient also automatically defers and adds feed and compound interest without permission they just send notice of what they did to my account.