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

Truist Banking have locked our Bank and Savings account already for a year. We can not access our account using the computer to transfer monies. We are living in XXXX. Just so you know; we also have XXXX  account. We can do everything with the XXXX XXXX. Truist bank has a lot of problems, please see the internet customer complains. I have nothing to do with that. We are 20 years customer with Truist Banking, prior Suntrust. We have since last year also residence in XXXX. From the Truist office XXXX we transferred some monies to the XXXX XXXX  in XXXX. Now being in XXXX we should be able to transfer money from XXXX to XXXX using the computer. It worked a couple of times. Truist bank Blocked our account about 12 months ago. We emailed, we send proof by regular mail, we send emails, also to the XXXX XXXX XXXX, XXXX also customer service, created a case number, but never helped us again. case # XX/XX/2022 XXXX. Obviously, we can not come to XXXX to an office to say hello ... .. Over the phone Truist employees, never helpful, gave us the advise to call the branch office where we use to go in person. We did call the Celebration office in XXXX, never helped. We did call the Truist office in XXXX XXXX Florida, where we banked later because of our move. Never helped. All Truist employees are nice promise to help and call back when you have them on the phone. When you hang up, no help no call back, account is not unlocked. All of this is unacceptable. In the mean time my social security is deposit in this bank. I am not able to access my account and make payments. I have usage of the XXXX XXXX. Never had a problem. XXXX XXXX  is outstanding. No limits, quick, user friendly and very efficient. From XXXX to XXXX XXXX  in XXXX. On the internet their are a lot of complaints and also videos, telling after the merge between Suntrust and Truist all the customer service is out of the window. Truist bank, you hold my hard work earned money for no reason. We have identified with Truist bank and your fraud department a " XXXX '' times. UNLOCK OUR ACCOUNT. That we have the Truist checking account card, we have added a ATM with draw in XXXX, XXXX. 

Truist banking, Unlock the account. XXXX XXXX, as a CEO, the least work you can do is to respond on my emails. Please, I refer to about XXXX emails send in the last 12 months to different emails. Everything I asked for is written in these emails. I spend hours and hours with Truist banking to come to a resolution. So far, XXXX. No help, no resolution from Truist bank. I like to refer to all emails, all phone calls and all letters send to Truist Banking. 

We have send all our new address and phone numbers to Truist Banking on several occasions. The XXXX number is NOT valid.
Product: Mortgage

RightPath servicing claims to have in their possession, a copy of the XXXX XXXX XXXX master policy insurance documents for period XX/XX/XXXXXXXX XXXX XXXX I have requested that RightPath servicing provide me with a copy of this insurance policy and they have failed to do so as required by the CFPB. RightPath servicing attempted to satisfy this request with a XXXX XXXX policy that they purchased but it is clear that my request is for the XXXX XXXX XXXX master insurance policy, not the insurance document they provided. This was intentional deception by RightPath servicing.
Product: Credit reporting

As of   XXXX      XXXX  has sent the attached updated information to Equifax. This information was given to Equifax several times by myself and  XXXX  to update my account. And   XXXX   XXXX   XXXX   is still showing as well as unverfied inquiries as originally reported. As of today, Equifax has not done so along with the other complaints I have filed. A lawsuit will be appropriate according to my attorney for Equifax 's negligance on updating and removing wrong inaccurate information from an consumer 's report causing a negative impact on there credit worthiness and score.
Product: Credit card or prepaid card

I'm writing to report a fraudulent transaction that happen to my Passbook ( by remitly ) an online banking service from USA, I have given all my effort to report this to them this but it seems no one is really given their equal effort to help, I'm putting here the transaction details for you to review. 

Firstly after it was happened I already informed them, but all they can do is to pretend helping but showing any evidence that they really communicate to the company that charge me. 

Security and trust is the one they promise, now that it happens to me and there is seems no help coming my way. 

a total of XXXX was charge on my account by this company in the XXXX, and XXXX ( remitly ) was in no way really wanted to help but instead pass it on to their virtual agent to response to me with repeated and automated reply. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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 blocking 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

JP Morgan Chase Bank does not provide copies of statements with a XXXX-balance, notwithstanding payment activity on the account. I requested copies of several statements with payment activity and a XXXX ending balance, and the bank indicated no statements are available verifying payment. 

I need these statements for tax purposes and when I spoke with Chase about this, they said would not provide them.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer TransUnion and FICO credit reports, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of various credit card accounts opened under the following details : XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXXXX/XX/XXXX Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; another XXXX XXXX XXXX account, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX - XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; XXXX Bank, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; another XXXX XXXX XXXX account, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX ; and XXXX XXXX - XXXX XXXX, Account Type : Credit Card, Account Number : XXXX, Date Opened : XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit reports, including inquiries from XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX on XX/XX/XXXX, and XXXX XXXXXX/XX/XXXX on XX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

Hello, XXXX XXXX, Equifax, and XXXX keeps reporting me owing a total balance of ( {$25000.00} )... 
However, my total balance owed is only ( {$12000.00} )... 

I am requesting to have that debt removed from ALL ( 3 ) credit bureaus on grounds of reporting inaccurate account balance information.
Product: Debt collection

In XXXX I wrote a letter to Phoenix Financial Services, a third party company, asking them to validate the debt in which they were attempting to collect. They sent back a letter with charges in the amount of {$390.00} from XX/XX/2016. They failed to validate or prove how this debt is connected to me. I learned of this when it was reported to the credit bureaus. I received no letters nor phone calls trying to collect prior to this. I do not own this debt and I need them delete this from all 3 credit bureaus.
Product: Debt collection

XXXX XXXX XXXX is a stated funded XXXX XXXX. My child attended and when we returned the computer, the screen had cracked. This is a school issued, state bought piece of equipment. I never signed anything when attending the school that we would be liable for broken equipment, not were we informed that the school would send us to a collection agent, Titan Revenue Solutions without any warning. I now have a collection on my credit report and the school is threatening more collections for my son 's computer. I signed NO paperwork stating that I would be liable for equipment purchased for a state funded school. I was given XXXX notice that Titan Revenue Solutions would be added to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

There are recent derogatory entries on my credit report from Midwest Recovery Systems, dated XX/XX/2020. The derogative entry says that I have an account in collections for {$310.00} that I'm unaware of. This has damaged my credit score. I have never heard or owed money to a company called XXXX XXXX XXXX. I was not notified in writing of any such debt. The debt is invalid.
Product: Payday loan, title loan, or personal loan

I went to ask a loan for {$500.00} at TitleMax XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Phone XXXX. 
I talked with XXXX It was on XX/XX/XXXX of XXXX 
She told me to pay every XXXX XXXX {$50.00}. I accepted but On XXXX I went to pay the {$50.00} but I extended my loan for another {$450.00}. Total was {$950.00} Well every XXXXXXXX XXXX I went there and I pay the {$79.00}. 
But on XX/XX/XXXX I paid {$500.00} XXXX so My loan was XXXX. 
But I still paying the {$79.00}? I went on XX/XX/XXXX and I paid the {$79.00}!! I told her but if my loan is less now I suppose have to pay less interest... 
So she told me NO because your first loan was {$95000.00}!! 
I think if my XXXX right XXXX is {$400.00} so I do not have to pay every XXXX XXXX the amount of {$79.00}. right???? 
My current balance right now is {$400.00} so my nest payment will be {$79.00} on XX/XX/XXXX!!! why? if my loan is not {$950.00}.
Product: Mortgage

This is our second formal complaint with the CFPB regarding Shellpoint Mortgage Servicing. We purchased our home on XX/XX/XXXX. The builder bought the house next door to our home, and built our home on the existing plot of our neighbor 's home. The city did not separate the plots until a year later, and we were instructed to " work it out with our neighbors '' We paid the city directly for our taxes and split the cost with our neighbor until the parcels were split. We worked with Shellpoint directly during this process but they continued to pay the taxes on our neighbor 's plot. We continued to pay the city directly for our property taxes in XX/XX/XXXX and for the first quarter of XXXX. XXXX XXXX XXXX XXXX, XXXX notified us in XX/XX/XXXX that we owe Shellpoint {$680.00} for payment that Shellpoint made to the City of XXXX and we have been paying XXXX XXXX directly in 4 monthly installments. All bills and correspondence with Shellpoint and XXXX XXXX is attached. We have asked Shellpoint to do an escrow analysis because they have continued to build our escrow account and we are paying both taxes and hazard insurance directly and Shellpoint has not used our escrow. They are also requesting to increase our escrow bill from {$460.00} to {$510.00} because they don't have enough escrow to pay our taxes and hazard insurance ( which they have never paid since we bought the home in XX/XX/XXXX. Attached are our documents. We have tried repeatedly to talk with a tax/escrow representative and the customer service agent will not transfer me. They told us it takes 30 days for someone to respond. We have received several canned letters that explain that they are working on our issue as soon as possible. We would like an explanation of why we owe Shellpoint {$680.00} paid to a third party tax service, why they are increasing our escrow when we should technically be receiving a refund for a surplus, and why they just can't get this right after 2 years. 
Thank you
Product: Prepaid card

I got the gift/credit card at XX/XX/XXXX, it was given to me by my godfather unopened and bought from a store. I opened it XX/XX/XXXX to find that it only had {$19.00} balance out of {$100.00}. There were transactions on the card on XX/XX/XXXX, even if I opened the card fresh from the sealed packaging. The unauthorized transactions were detailed in the dispute : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  {$5.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  {$30.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  {$10.00} I filed a dispute case with XXXX on XX/XX/XXXX. They informed me that it would resolve within 45-90 days. I sent the complete card details with pictures, my proof of residence, and identification hoping they would mail me a replacement with the complete balance of {$100.00}. I never used the compromised card to avoid tampering the investigation. 

I kept calling back XXXX times a month until XX/XX/XXXX to check on the status but they told me to keep waiting. XX/XX/XXXX would be around 180-210 days from the dispute date with no resolution still. Then, I called one last time on XX/XX/XXXX and they said that my dispute case number could not be found. I resent all the documents to them and told them of the email thread. I figured that they are just running me around so that I would give up the dispute. 

Up to now, I have not received a follow up from them and it is tiring to deal with them.
Product: Credit reporting or other personal consumer reports

I received a letter dated XX/XX/2023, that did not address the banks non compliance regarding furnishing me as a former customer private privacy notices/ opt out notices initially and on a annual basis. 

I was supposed to be provided with the private policy notices and opt out notices that XXXX XXXX has failed miserably to be in compliance with GLBA. 

XXXX XXXX could be held liable to pay harsh fines and penalties from {$10000.00} to {$100000.00}. 

You are reporting alledged debts in my name and you are not furnishing me with the private policy notices that I should receive as a former customer according to l GLBA law. 

As a former customer I do not care that you sold these alledged debts that prove I am a former customer under GLBA even though I dispute these debts in their entirety. 

XXXX XXXX XXXX also states the bank is authorized to report information to the credit reporting agencies. 

My reply is I find this to be MISLEADING because it is not MANDATORY for the bank to report anything to credit reporting agencies at anytime. 

Your non compliance makes this information you are reporting not reportable even though you may find these alledged debts collectable Remove both XXXX and XXXXXXXX XXXX alledged charged off accounts that XXXXXXXX XXXX is reporting. 

Reminder : I do not care if you sold these debts, your bank is reporting currently to the credit bureaus debts that due to pennsylvania law that I can not be sued for but under GLBA you must recognize me as a former customer due to your credit reporting. 

I want to resolve this matter without litigation but it is OK with me if you choose to pay {$500.00} an Hour to high priced lawyers to defend your bank.
Product: Bank account or service

You people at Key Bank are the most ignorant bunch I 've ever dealt with. Use some common sense. Once again, this is in regards to the unauthorized charges from XXXX. See my previous complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account doesn't belong to me a guy by the named XXXX XXXX stole my identity and made this account its not mines
Product: Credit reporting or other personal consumer reports

I paid my bills on time and Fortiva closed the account with prejudice. I am receiving messages and calls from people who I did not share my information with and was told XXXX  shared it. According to 15UCC XXXX XXXX  charged/closed my account ending in XXXX. I am demanding that this account be removed from all reporting agencies and this is negatively affecting my credit reports.
Product: Credit reporting, credit repair services, 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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$650.00} ; XXXXXXXX XXXXXXXX XXXX  ( Original creditor : XXXX ( XXXX XXXX ) ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

I moved from this address XXXX XXXX XXXX XXXX ny XXXX i relocate to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.and this Company name allied account SRVS Put me in collection Without my written consent for electrical bill for {$3400.00} Iwould appreciate if these items remove from my credit report immediately thank you