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

Subject : Complaint Regarding Unauthorized Account Changes and Unfair Practices by Truist Bank Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Truist Bank for unauthorized actions on my bank account that have resulted in unjust overdraft fees and collection attempts. Specifically, Truist Bank changed my account to a " College Checking '' account without my knowledge, request, or authorization at some point in the past year. This change altered my overdraft policies without my consent, leaving me unaware of the risks associated with transactions. 

Further compounding the issue, Truist Bank closed my account without any notice to me. I only became aware of the closure when they began sending collection letters for overdraft charges and fees totaling around {$130.00}. The bank has no documentation or signed agreement showing that I requested or approved the change to a College Checking account, and if it does, then it is falsified. Notably, I am not even a college student, making this change entirely inappropriate. 

This situation suggests that Truist Bank may be engaging in deceptive practices similar to the ones for which XXXX XXXX was previously investigatedmanipulating accounts without customer consent to potentially inflate performance metrics and deceive shareholders. 

I am requesting the following actions : A cease and desist from any collection attempts regarding the fees and overdraft charges associated with this unauthorized account change. 
Investigate Truist Bank for deceptive and unauthorized account modifications. 
The banks failure to obtain the necessary consent and documentation demonstrates clear misconduct. I expect the CFPB to intervene in this matter to protect consumer rights and prevent further harm to other customers. 

Thank you for your attention to this matter. Please let me know if you require any additional information from me to facilitate your investigation. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have made small transfers of about {$10.00} USD to a single person in XXXX. She lives in XXXX  XXXX, has no job, and is poor. I provide money to her for food for her, her mom, and sometimes her brother. This is not unlike contributing to a charity like XXXX except that I cut out the organization and 100 % of my contributions go to the people who need it. {$10.00} USD is an immaterial amount to someone in the XXXX, but it is a lot to a poor family in XXXX. There is nothing illegal about these contributions. I AM NOT PURCHASING ANYTHING ILLEGAL. I AM NOT LAUNDERING MONEY. Yet my ability to make transfers has been immediately stopped without warning or explanation except to say that suddenly my " activity isn't allowed under the terms of our User Agreement. '' Customer service can not provide the terms that I violated nor can give any explanation except to say that it is out of their control. This is an unacceptable reason.
Product: Student loan

On XX/XX/XXXX XXXX added {$5600.00} to my bill as a capitalized interest charge. On XX/XX/XXXX another {$500.00} was added for capitalized interest. I received no notification when these charges were added to my bill and only discovered them both in XX/XX/XXXX. I reviewed the reasons why capital interest may be charged and realized that none of them applied to me. I called to ask why I was charged a total of {$6100.00} and was told that it was because they did not receive my repayment plan recertification in time. I told them that I did recertify on time and even got correspondence from them telling me that they received my recertification form within the time frame allotted. I was then told that my initial request was incomplete because their link to the IRS was down ; this prevented them from reviewing my income verification. I am not at fault for a link being down. I should not be charged over {$6000.00} dollars for their technical difficulty. 
Every time I call I get misinformation. On XX/XX/XXXX I asked XXXX ( employee ID # XXXX ) to dispute the charge. I have not received any information from that request. 

On a separate issue, I qualify for PSLF as a XXXX XXXX employee and have been submitting requests for over a year to have my qualifying payments updated. I have never received feedback from any of the requests. Every time I call about this I am told that they will submit a new request and to wait 30 to 90 days to receive feedback. I am repeatedly told that delay must be because XXXX is still waiting for information from my previous lender, XXXX, to add my qualifying payments. I have been working as a civil service employee for 6 years. 

The misinformation is a HUGE issue. Please train call center staff to simply respond " I do n't know, let me find out for you/transfer you to someone who can give you that information '' rather than just making something up. 
For example, I was recently told, when asking for a breakdown of 1 of 2 consolidated loans I have with them, that the loan was not the consolidated loan that I thought it was, and that it had only recently been disbursed to the school I am currently attending. Fortunately, I have experienced a plethora of misinformation from XXXX representatives so I knew to ask to be transferred to a supervisor instead panicking and calling my school to find out where this large sum of money went.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax will not let me access my account to lift my credit security freeze. 
The website password recover process results in an error, and the password recovery process never sends an email to change my password. I am completely unable to access my account to manage my security freeze.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the failure to remove a fraudulent accounts from my credit report. The bank and other bureaus have acknowledged and rectified the issue, yet it persists on your report. This not only violates compliance with the law but also harms my credit integrity. Please remove these immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX have already removed these accounts from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete these from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I respectfully request that you promptly investigate this matter and take the necessary steps to remove the remaining fraudulent accounts from my credit report. Failure to do so not only perpetuates an injustice against me but also exposes your bureau to potential legal repercussions for non-compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

Hi My name is XXXX XXXX I was checking my credit report and I noticed unusual activity that i have nothing to do with. I think i have been a victim of identity theft. There are inquiries on my report that i didn't apply for any banks. Please dispute and remove them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2023 amount of XXXX $ and XXXX $ was sent to a chime user unauthorized by me it was fraud. My card was stolen and I had to request new card. The company said there was no error found in there investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

Currently all three credit agencies Experian, XXXX, and XXXX have on my account that I have had a real estate foreclosure. This is incorrect as I still own this property and the bank has not been able to successfully foreclose threw court. The mortgage has a lot of issues and is currently in legal proceedings. I find it that reporting I have a forecloser is purposely damaging my credit report. They have been asked to remove this from my report. Until they receive court documents from the state hawaii that verify in fact that this property has been foreclosed on this should not be on my record or listed as a forecloser. The court has not made a decision on this matter since being in court since XXXX till current. It is not the credit reporting agencies right to report false information due to the request of a third party and has for the last couple years adversely effected my credit score and credit decision and has cause damage to my credit worthiness. This matter has been brought before and asked to be removed and hasn't. This mortgage debit is also over seven years old and payment hasn't been made since XXXX due to banks failure to provide information on who payments where being made to and other issues outside of a credit reporting agencies business of reporting credit related items. This violates credit fairness and truth. That a third party having nothing to do with the mortgage and loan was allowed to make this request and it be included on my report.
Product: Credit reporting or other personal consumer reports

Hello, My complaint is in regards to XXXX XXXX, this is the second time Ive had an issue with them. See prior complaint. I received a message from XXXX ( Experian ) that my credit score had tanked XXXX points. I checked my report and it was XXXX XXXX that reported me 30 days late. My account was paid off in XXXX of 2022, therefore I didnt have a balance. I received a text text message that said I had a balance of XXXX cents and that it was late. Mind you, I paid off my account in XXXX of 2022 to a ZERO balance. I called XXXX with the number provided on their website several time, no answer. I sent messages via XXXX, no response and I emailed for the last couple of days and still no answer. I also noticed they deducted XXXX out of my bank account. This is insane. I really need assistance with getting my credit update to never late, as I have never been late and this account was paid off in XXXX. This company should be shut down for their fraudulent activities. They are ruining consumers lives with the way they handle their past customers and Im sure current ones as well. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice, while several laws were being broken under the fcra by your company. This has caused me financial injury, defamation of character, not being able to apply for credit or a sba loan during the time of the pandemic. Under this crisis you have hurt my ability to obtain credit.
Product: Student loan

My complaint is with both XXXX and Navient. I dropped the classes at XXXX and never completed them which I was advised that I would not be charged. I called them many many times regarding this and was advised it would be removed. Then later told they were not dropped in time. Then Navient kept sending me information to put me in forbearance because I was having trouble paying for years. I now have thousands in debt and fees for classes I never took. What was originally around {$4000.00} is now over {$7000.00}. I have went thru XXXX, Navient, the XXXX  and reported this to the credit bureau but received no help. Please someone help me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccuracies in the payment history reported by XXXX on my credit report. I have repeatedly requested XXXX to provide detailed records of my payment history, including evidence that the payments were made on the dates they reported. Despite my requests, XXXX has not provided adequate documentation to support their claims. 

It is my firm belief that XXXX has reported payments on incorrect dates, resulting in negative marks on my credit report. These inaccuracies are severely impacting my credit score, and I strongly contest the validity of the information they have provided to the credit bureaus. 

I request that the CFPB investigate this matter and assist in correcting my payment history to reflect the actual dates on which payments were made. The removal of these incorrect late payment marks is crucial to restoring the accuracy of my credit report. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX are amongst the list. XXXX I have never been late not once. Every communication with XXXX, XXXX, and Equifax about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.
Product: Checking or savings account

On XXXX, XXXX, XXXX, I attempted to link my mother 's account to my savings account so that I could send money to her from the account. 

On XX/XX/year>, the company sent an e-mail explaining that the account that I attempted to add had been rejected due to not being the account holder ( apparently against the rules ). Later the same day, I discovered that my account had been suspended without information. I reached out via e-mail and phone and was told that my account had been suspended for 'suspicious activity '. I was told over phone and e-mail that they were currently reviewing my account and that no further action is required. 

I am able to access my account but my money is inaccessible. I am not able to close the account or access my funds for deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 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 furnish an account without my written instructions. under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have sent several certified letters to these companies, XXXX XXXX # XXXX, XXXX, TransUnion, and XXXX. The response I have received from all companies is that they do not have to follow the laws I mentioned in paragraph 1. I will also attach the letters and responses I received from them. I have waited more than 60 days for them to correct this issue, You have 10 days to comply with the law or my lawyer will contact you to sue for negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have conta

cted Jared on multiple occasions in order to get this erroneous entry removed from my credit report. I have disputed this item various times and I have reached out to Jared 's various times, but the item still remain on my credit file to this day. I have tried to settle this account over the phone and in writing several times directly with Jared 's. I even reached out to the collection agency to dispute, they could not provide proof so they removed the entry from my credit report and referred me back to Jared 's. When I call Jared 's I am told that they can not find the account. ( see attachment ) per FCRA Section 623 ( a ) ( 1 ) ( C ) this account is inaccurate and should be removed. Jared 's is in violation of the following polices : Re aging of debt - prevent r
e-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; - The amounts, and the dates are incorrect. I have asked for verification/validation per FCRA guidelines, over the phone and per email. Each time Jared 's never provided the information, which is in direct violation of FCRA. By law Jared has 30 days to provide this information, or it is to be removed from my credit file. 

Account - XXXX Date opened - XX/XX/XXXX Balance updated - XX/XX/XXXX Credit limit - {$310.00} But it shows a payment was received in XXXX of XXXX. All of this information is not correct. 

I reached out to XXXX XXXX about this situation and it was supposed to be handled, he never got back to me ( see attached email ) Jared 's must furnish only the correct information to the CRA. FCRA 623 ( a ) ( 2 ) ( B ) No dispute status - Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. FCRA 623 ( a ) ( 3 ) -  No dispute was raised with any CRA when I disputed these items.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filed a dispute with Experian, but the company XXXX XXXX mailed me that I owed {$9100.00} which on the phone I was told by a sales representative that I owed {$8400.00}. Im contacting the Consumer Finance being that its incorrect information on my credit report. Along, with me never even having knowledge that there was a car under my name until it was completely totaled being that someone used my information to obtain this car. Id hopefully like to get this issue resolved without having to seek out an attorney, but Im filing a complaint for this reason.
Product: Payday loan, title loan, or personal loan

I just got a settlement check from XXXX XXXX XXXX  and I think I am being charged a high interest.
Product: Money transfer, virtual currency, or money service

I received an XXXX payment through Bank of America of {$3100.00} and the funds were immediately transferred to another account via direct deposit. I didn't set up direct deposit, and called B of A to clarify. This transaction was sent to an unknown individual, and B of A refused to refund the money during the fraud investigation. The frauf investigation was denied three times with only a letter in the mail with the fraud preparator 's email address. I've yet to get an explanation for the criminal and fraudulent transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting the account is handled by a debt management company where it is NOT. I pay my payments directly to XXXX XXXX XXXX. They are also reporting my account is OPEN on XXXX credit report where it has been CLOSED for 1.5 years. In addition they are reporting late payments in 2016 when I was not late, they failed to send my statement to the correct address after a military move. They were given the correct address and still to date have not updated it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal AUTO LOAN account opened at XXXX on XXXX under the account number ( XXXX ). This account have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that the aforementioned consumer auto loan account are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank granted a forbearance for 3months, XXXX through XX/XX/2020, due to COVID. I resumed payment on my mortgage on XXXX, following the end of the forbearance period. I then received emails from all 3-credit bureau about the bank reporting that I have been late on my mortgage for 90days, and payment has not been received. This dropped my credit XXXX. I filed a dispute with all 3-bureau, called the bank to try to resolve it but was told nothing they can do until after 30days of investigation into their system. I provided evidence of the forbearance letter which indicates my credit will not be affected due to the COVID relief assistance emergency program, but that was not taken into account by the bank. I am still out of work and now made difficult to find work due to the negative credit report irresponsibly placed by the bank. The bank, XXXX Bank, have yet to resolve this situation. Meanwhile my credit has only gotten worse because now I can't even refinance to eliminate my relationship with the bank. I have already started to receive letters from my credit card companies about dropping my credit limit due to the negative impact on my mortgage loan.
Product: Debt collection

Tryed to contact me via email, & other online platforms in witch I had no knowledge regards being sick in and out of the hospital, ask for paperwork to be sent to me via mail and never received.