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

I am filing a complaint with your office because TRUIST wrongfully closed three bank accounts ; the account I share with my husband, XXXX XXXX, the account I have with my mother, XXXX XXXX, and my account where I am the only user. I have been with TRUIST for over twenty years, and my husband and I have had a joint account with TRUIST for over three. In that time, we have never as much as bounced a check nor have we have ever overdrawn our account. Despite our solid history with TRUIST, we received letters stating that our accounts would be closed within 30 days but stated no reason as to why TRUIST was closing the accounts. The person who signed the letter, XXXX XXXX, who is the Sr. VP of Operations with TRUIST refuses to return our calls. As a matter of fact, TRUIST is not allowing any of its employees to speak with us except for XXXX XXXX, who is either unable or unwilling to tell us why the accounts are being closed. 

It is my belief that the accounts are being closed because TRUIST is retaliating against us for filing a complaint with TRUIST regarding how they handled a merchant dispute. Over the last month my husband and I have filed several merchant disputes regarding trips we had taken to XXXX  and XXXX. In almost all of the cases the merchants provided us with a credit. In addition to the credits that appear on our bank accounts, XXXX XXXX sent us a physical check which we deposited yesterday. Given that the merchants voluntarily issued a credit shows that the disputes we opened were indeed valid. We provided sound reasoning as to why we were filing the disputes and anytime a merchant issued a credit we notified TRUIST and requested that the provisional credit be taken back. In one instance, I called and emailed the XXXX XXXX Department for two weeks to have a provisional credit removed from the account. 

The merchant dispute that caused us to file a complaint was for a restaurant in XXXX XXXX XXXX. TRUIST erroneously assumed that we received the meal that we paid for, but we did not. My husband and I did everything we possibly could to communicate to TRUIST that we paid for a meal that we never received but they would not take that into account and refused to work the dispute. After spending weeks trying to get TRUIST to properly understand the situation we filed a complaint on XX/XX/2021, at the suggestion of XXXX XXXX, who is a supervisor in TRUISTs Retail Payments Department. The next day the letters stating our accounts would be closed were generated. 

Clearly TRUIST is retaliating against us for filing the complaint. The fact that the letters stating our accounts would be closed were generated the day after we filed the complaint is not a coincidence. What makes TRUIST actions even more suspicious is that they are refusing to provide any reason for closing our accounts.
Product: Student loan

Hi I had make a complaint in XX/XX/2018, i apply for a private loan forgiviness from Navient company, for reason that this school had closed, and I would not be able to finish LVN program, i had to paid a loan for XXXX dollars and I need my money back, i do not get response last time that I make complaint.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened XXXX, as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section XXXX of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

After learning that my information was leaked in XXXX 's data breach I combed over my reports and found several accounts that I XXXX XXXX, did not authorize to be open nor listed on my consumer report. I have reached out to Experian and listed companies to inform them all that they are in violation of the FRCA in many ways. My right to privacy and having a report 100 % free of inaccuracies is a law not an option. I am tried of the credit bureaus claiming said accounts have been verified and when I ask for proof I hear back nothing. when I called and asked for proof I was told " we don't send these documents ''. This is a crime! I am a victim and If I can't resolve this issue I will have to make this a legal matter. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud
Product: Vehicle loan or lease

My car was totaled by no fault of my own and XXXX XXXX gave Bridgecrest XXXX for the total loss of vehicle. I had talked to bridgecrest right when the accident happened on XX/XX/year>. I owe more on the loan than what was paid to the Bridgecrest. They have been reporting me late when in fact I am not behind on my payments as they received the XXXX from state farm as a payment. You cant report that I am late on my payments when you just got that lump sum of money. You do not want to work with me for the remaining balance because i had to purchse another car and i can not afford two car payments. At this point, i need to file bankruptcy and you get nothing. and i want something in writing a loan modification, a lower interest rate, and easier payments. ;
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/XXXX ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 The credit bureaus stated XXXX XXXX account # XXXX was properly investigation but how is that possible if im the original creditor and on XX/XX/2023 i sent a verification form certificated mail number # XXXX with instruction and they were not completed there for all these soft pull hard pull and names address that you have on my report are to be removed imditily this is also volition my rights under 15 u.s.c 1681 section 604 A section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions i haven't given these accounts written permission to furnish these accounts on my credit report as well XXXX dollar fines are to be sent to me and company held a countabule for their actions thank you XXXX  XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts that is currently reporting to my credit report is is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting I have a tax lien reported by the XXXX XXXX County Recorder. The County Recorder DOES NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$7300.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Has Violated my rights.

1. Account Name : XXXX XXXX  / Account # XXXX Has Violated my rights. 
15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached Company and/or it's agent did a hard credit search that should have! 00 % told them that the debt is question was not mine, but they proceeded to place the Notice of Collection on my credit bureau files . Even the slightest due diligence investigation should have been enough.

As a result my credit score has decreased aby XXXX points. 

Although I repeatedly demanded that they remove the collection notice they have not
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sorry if you get this twice, but I don't think it sent the first time. 
I never received a PIN after I put a freeze on my account at Experian in XXXX and tried to get the PIN by requesting it online and instead received the message attached. 

Never could get a live person to talk to. Are they or are they not issuing PINs after the XXXX security flaw exposure? 

What happened In XXXX, I placed freezes on my information at the three main credit reporting agencies. Even though I had read that PINs may be re-thought after the Experian 's latest industry malfunction, within a few days, I got a PIN via snail mail from XXXX, didnt receive one from XXXX   but was able to request another one by speaking to a representative over the phone recently and expect it will arrive any day. I did get confirmed through a live person at XXXX and XXXX that the freezes were in place. 

Then theres Experian, which refuses to have live people available for help. I went through prompt after prompt from one computer recording message after another. I was able to determine that there is a freeze on my account by choosing options leading toward unfreezing my account, which of course I can't do because I don't have a PIN and don't know how without one. So I requested the PIN online. After responding with all the requested information correctly, the system came back with the attached message, and I have since replied to it. 

This is just another example of a credit reporting company out of control and not being held accountable and responsible for the job it is supposed to be doing. I understand in light of the very poor performance of this industry that they may be taking extra precautions and I do appreciate " being protected, '' but they need to fix BOTH ends of the business, not just the protection side. And they need to give consumers access to a LIVE person. 

It's a good thing I don't have an emergency that I need to have money for. So they need to send me a PIN if they are still using them and, if not, an explanation of how to unfreeze my information easily and quickly when I want to. 

As a P.S., you have there are two wrong residential addresses on my account, which I tried to have removed years ago, and they refused because they said some financial institution reported that I lived there. I have lived in one house for over 40 years. At the time they insisted their info was correct. It wasnt and it still isnt. That's next on my list but I don't have much hope.
Product: Bank account or service

TD Bank has continued to allow my account to be overdrawn, has not refused any transactions and now has charged me over {$500.00} in overdraft payments.
Product: Debt collection

This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 
Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Minnesota medical privacy rules XXXX 
I also hereby reserve my right to take private civil action against you to recover damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX are reporting disputed inaccurate account # XXXX. The balance, last payments and addresses showing on the alleged statements as well as ownerships and other information is inaccurate, therefore please investigate and delete asap.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation, This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I've marked as inaccurate. 

XXXX XXXX XXXX ( not mine ) XXXX XXXX ( no acknowledgment victim of identity theft ) XXXX ( victim of identity theft )
Product: Payday loan

On XXXX/XXXX/17, I received an email notification from Big Picture Loans reminding me of a loan payment due on XXXX/XXXX/17. I contacted their Customer Service Number on XXXX/XXXX/17 requesting to delay my loan payment until XXXX/XXXX/17, as my Employer changed my Payroll Schedule from Semi-Monthly to Bi-Weekly, effective XXXX/XXXX/17. When I initially stated this to the Customer Service Representative, before she could give me a response, she insisted she could n't even address this issue until I first request my Social Security Number ( Mind you, I had given the Customer Service Representative my Loan Number, and she stated { As the phone call was recorded } she pulled up my account ; BUT, as part of Big Picture Loans Verification Process, she would need my SSN ). After going back and forth, I reluctantly acquiesced ; and she then tells me she ca n't extend my loan payment date.
Product: Checking or savings account

I purchased a travel package from XXXX XXXX XXXX with XXXX XXXX in XX/XX/2022 for {$920.00}. The merchant turned out to be very shifty and sold a package for an event that was not happening in the timeframe that he told me it would happen ( XXXX XXXX XX/XX/2022 ). I filed a dispute with Capital One and sent them all of my information that I received from this merchant where he stopped responding when I asked questions, where he changed his website to display something different than what I paid for, he changed the subject of our emails, etc. This is a pure example of fraud. XXXX XXXX my claim was denied stating there was no evidence of wrongdoing even though there was a plethora of evidence showing that this merchant was no good. 
On XX/XX/XXXX I requested a reopening of my case because on XX/XX/2022, the merchant stated he would grant me a full refund and it'll take 14-20 days. It is now XX/XX/2022, my account with capitalone has been hundreds of dollars overdraft because they retracted their temporary credit and I received information stating my dispute was again denied. I called CapitalOne and they state that my request was outside of the timeframe because my dispute was already denied and closed as of XX/XX/2022. Both the agent and the supervisor I spoke to insisted that I was in the wrong because I was fully XXXX off with them not listening to me-they were robotic reading notes and not listening to what I was saying. The agent I spoke to to request a second look never opened my second case. It look a long conversation with the Claims Supervisor to find this out. After speaking with the supervisor, he states that they will not approve my dispute because the merchant says he will give me a cash refund. In this instance CapitalOne is EXTREMELY wrong because the merchant says cash refund as means to refunding my card as opposed to giving me a credit. CapitalOne keeps saying I need to contact the merchant when Im consistently telling them the merchant will not respond. It's almost like they arent human, like they dont know how to handle these situations without a script. It's INCREDIBLY frustrating. CapitalOne is gatekeeping a fraudster and treating the victim like they're the bad guy. Everytime I speak to someone it's a new reason why they won't help me to get my money back.