23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Greetings, I am having a problem with the SunTrust Bank in XXXX XXXX, Ga. The problem involves the branch at XXXX, XXXX. and the branch located on XXXX XXXX. I had a safety deposit box at the one on XXXX which I closed out XX/XX/XXXX due to my retirement and inability to travel on base. I returned the keys and transferred the box to the XXXX location. After this the bank at the base continued to bill me through XX/XX/XXXX for {$45.00} a month. My wife thought the bill was from the XXXX XXXX. branch and paid it for the last 3 years When I rented the box on XXXX XXXX, I also opened a savings account which they deducted the rent annually. When the amount in the account dropped below the rental amt., they deducted the balance and created a overdrawn situation. They, in turn, have charged me a penalty along with some type of interest charge for approximately {$50.00} and are currently saying I own {$110.00}. In calculating the penalty, they have pyramided the bill which is against the law. 
I have closed out the box on XXXX but was told, I could not close the savings account because I still owed {$110.00} even though my wife has made three {$45.00} payments on the base box which I did not owe. They made the withdrawal and applied the penalty after the fact without notifying me and providing me a chance to pay the {$75.00} rent. How is overdrawing a savings account an acceptable procedure? 
I want the {$110.00} balance removed and the overpayment for the three {$45.00} payments or {$22.00} refunded to me. As can be seen in the supporting documents, I was not given credit for two {$45.00} payments. These should have been posted to the only account I had opened, the savings account at the SunTrust located on XXXX XXXX. in XXXX XXXX, Ga..
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Dispute Regarding Inaccurate Late Payments on XXXX XXXX  XXXX Account Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXXXXXX account. Despite multiple requests for correction, including letters dated XXXX and XXXX, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically, your records inaccurately report the following : 30-day late payment in XX/XX/XXXX. 
30-day late payment in XX/XX/XXXX. 
These inaccuracies directly conflict with my payment history, which reflects on-time payments for the periods in question. Additionally, remarks indicating, " Account has been closed due to inactivity, '' do not align with the account 's status as " Paid. '' Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case. 
15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting.

Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report for this account. 
Written confirmation of the correction made to my credit file. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action. 
Attachments : To assist with your investigation, I have included : Copy of my Social Security Number.

Copy of government-issued ID. 
Proof of address. 
Highlighted credit report indicating the inaccuracies. 
I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law. 

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

Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Product: Credit card or prepaid card

Account ending in XXXX Case number : XXXX Complaint number : XXXX We have many accounts with BOFA and today we received terrible service with the claims department. Was on hold for a while and then hung up on. Long story short we are disputing a small transaction. We provided EVERYTHING the claims dept asked for and they are asking for additional information the is impossible to obtain. They want a letter on letterhead from someone who is not involved in the dispute, how does that make sense? 

We submitted pictures and letters for this claim and apparently its our fault that the color photographs we uploaded at BofA.com show up black and white, which is why the claims dept is asking for information WE CAN NOT PROVIDE. I find this highly unusual that Bank of America can not help us with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX , EQUIFAX , XXXX  inquires regarding all personal information. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a XXXX XXXX my company is XXXX XXXX XXXX XXXX XXXX XXXX. I have had issues with addresses on my credit report that do no belong to me. The following addresses are not accurate please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX OLD XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX CT, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Finance reported XXXX XXXX  loan # XXXX as 30-59 days past due to XXXX, Equifax XXXX and XXXX in XXXX and XX/XX/XXXX. This loan was CURRENT and never past Due. It has payments received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and is CURRENT. This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation. This is the second loan that XXXX XXXX XXXX XXXX dba XXXX XXXX dba/XXXX has fraudulently reported past due that was in fact current. I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loan.
Product: Mortgage

Planet lending has been extremely poor in getting information regarding the steps and status of closing on a loan. The assumable loan department is impossible to reach along with the operations team. I started this process on XX/XX/XXXX XXXX. When I contact the customer service they put in a ticket to have the assumable department call back and they never do. This is UNACCEPTABLE when trying to sell a house and transfers g the loan to someone else it should be an extremely simple process since paperwork is all that is needed, however this bank has been extremely poor in communication.
Product: Debt collection

I have called and tried to pay this amount that is showing on my credit but when I log in it shows my balance is {$0.00}. They won't remove this from my report and it doesn't show I have an outstanding balance when I log into my account, they continue to harass me about a payment that doesn't exist.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/year>, I tried accessing my Robinhood account. I was closed out of the account at that time. Robinhood only allows access to their customer service through the online or app accounts. I was locked out of both, my online and app, accounts. Scared that I had been involved in fraud with Robinhood and they were unwilling/unable to assist me with my account access, I transferred my funds to a different custodian on XX/XX/year>. I have been emailing and calling a " back line '' to access customer service since I received an email from Robinhood on XX/XX/year> stating that my account was closed. I have spoken to 3 customer service agents this week. All 3 have verified that my account is closed, but they can not send me my tax documents or statement until I send them a bank account. I've told all 3 that I will not send a bank statement, because I have no account with Robinhood and all 3 customer service agents hung up on me. 

I would like to get my tax documents and XXXX statement, showing my account has been closed. All 3 customer service agents were from XXXX and I do not trust that there is fraud going on with me.
Product: Checking or savings account

On XX/XX/XXXX Chime Financial, received my tax refund ( {$32000.00} ) that I have literally been waiting for 2 years due to delays and a typo I finally got a tax advocate who assisted me in filing an AMENDMENT XXXX which the irs received on XX/XX/XXXX and issued my refund for an original deposit date of XX/XX/XXXX which Chime revd earlier. I try to use my card and its locked I try to log into the app, but it says to contact review @ Chime. I instantly call them and soon as I get home send them everything from my ID front and back social security card, utility bill for proof of address, my XXXX form and my entire IRS TRANSCRIPTS ( why ask for my transcripts if youre going to XXXX and not READ THEM ) that list when the original return was filed and the amended return as well as the REFUND ISSUE DATE and INTEREST payment which XXXX be credited on XX/XX/XXXX into this same account as well soon!!! The REVIEW TEAM that only responds via email keeps asking me for a XXXX XXXX completed form that doesnt APPLY TO THIS DEPOSIT because I FILED AN AMENDED RETURN which is a XXXX on my XXXX Taxes!!!! Its bad enough Ive had to wait XXXX long years for my money and now they are causing even more of a delay to my XXXX XXXX especially at a time when Im pretty much homeless and dealing with a XXXX child. I need my account off hold IMMEDIATELY. IVE BEEN USING CHIME FOR MY TAX REFUND FOR 15 years now and never had a problem until now and what I dont understand is the XXXX IRS XXXX XXXX comes with my SOCIAL SECURITY # attached to it so please explain where the discrepancy is!!! These ppl have everything they need to clear HOLDS off my account but the lack in COMPETENCY AND LIMITED COMMUNICATION MAKES ME REALIZE AFTER THIS I NO LONGER WANT TO DO ANY BUSINESS WITH THIS ONLINE BANK! XXXX XXXX to using XXXX XXXX and XXXX XXXX ; chime was only used for the convenience of EARLY DEPOSIT not because I couldnt bank elsewhere. Now its the XXXX day for a XXXX bank & XXXX XXXX tickets open said it only takes XXXX to review & STILL NO ACCESS to my funds!!!! The redundant and incompetence of such a company dealing with my money is purely disgusting...
Product: Credit reporting, credit repair services, or other personal consumer reports

By law no creditor can report a consumer late until 30 days AFTER the due date of an account. My credit card payment due was originally {$39.00} by XX/XX/XXXX plus a {$39.00} late fee which equal {$78.00}. All other payment history was paid on time since having the card.

XXXX VISA is the creditor who just posted on my credit reports XXXX XXXX, XXXX  and Experian a 30 day late a few days after the due XX/XX/XXXX when by credit reporting law they are not suppose to post a late payment until 30 days AFTER the due date.

I am XXXX and ready to sue if it's not resloved in the next 30 days. My right is I can pay my bill after the due date ( XX/XX/XXXX as long as it is paid before XX/XX/XXXX by law for example. My credit was perfect before XXXX Visa posted a 30 day late on XX/XX/XXXX only 7 days after the due date. ILLEGAL AND I AM XXXX!
Product: Credit reporting or other personal consumer reports

This is my notice of dispute to the credit bureaus equifax, XXXX  and XXXX Neither three Cras have given me notice of my dispute recorded in XXXX  XXXX  15 USC 1681i : Procedure in case of disputed accuracy Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. 

Which was not done at all this illegal treatment by CRAs wont go unnoticed I am Disputing the following XXXX  XXXX account which reporting as a open account when it has been charged off this account needs to be removed for illegally reporting and information disclosed is not public information as I have opted out of XXXX  XXXX Contract I am disputing : 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 Equifax has already deleted XXXX XXXX and XXXX XXXX  due to me opting out of my information being disclosed Also XXXX XXXX XXXX  Equifax deleted XXXX XXXX XXXX needs to provide proof of full debt validation no just statement if not proven then remove account I want all accounts deleted or I will be reporting CRAs with the Secretary of State for not giving me a notice of dispute
Product: Payday loan, title loan, or personal loan

Using the XXXX app, recurved an error message PNC bank has changed link settings.
Product: Credit card

Im the customer of Chase/XXXX credit card. I want to complain to their customer service department and request my refund. 

In XX/XX/2023, I called Chase credit card company to dispute a transaction {$250.00} on XX/XX/2023 about XXXX XXXX XXXX XXXX, as I just booked and stayed one night there on XX/XX/2023, but was charged twice on XX/XX/2023 & XX/XX/2023. Chase started to investigate this issue. But on XX/XX/2023, I got their letter that said they considered the transaction valid and removed the temporary credit issued to my account. They also sent me the proof, which was the two reservations they got from the hotel. Through the two reservations, everyone can see clearly those are totally different two reservations. Different guest name, different reservation # and room number..even different XXXX membership number. 

The next day I contacted their customer service again to complain this judgement. They agreed to reopen this dispute and sent me a letter on XX/XX/2023. 

Then I got their notice by mail on XX/XX/2023 that said they confirmed the transaction was valid. I called back again and complained to a specialist, was told that they would research this issue again and would give me an update within two weeks. 

On XX/XX/2023, my husband and I called their customer service, was told that this transaction was valid because this charge took place too long ago! 

Too long? If their customer service staff had been more responsible after receiving the reservations from the hotel in XXXX and reviewed the proofs carefully, how could this case have been delayed for so long? This is entirely caused by their irresponsibility. 

I am extremely disappointed with their service!!! 
I requested Chase credit card to refund the amount.
Product: Mortgage

Freedom mortgage reported a late payment to my credit even though the reason I could not process the payment was because of a technical issue on their website. I was not able to log into my account for over 2 weeks. I called and tried to get help accessing and there methods did not work. I explained I could ONLY pay online due to the account being saved online in the wallet. I had no access to the account and routing number. I explained EVERYTHING. My account was not locked, I had my password, I had access to reset the password and nothing worked to gain access to the account. It was a technical issue on FREEDOM MORTGAGES behalf. I called and nobody could help me. But they refuse to accept any fault. I have NEVER paid late in almost 4 years. This was clearly a technicality and they refuse to rectify the issue. The reps were very rude and accused me of having financial problems. I am disgusted with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( Experian, XXXX, and XXXX  ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX Account # XXXX for XXXX XXXX  ... Amount {$130.00} for an authorized/unknown utility.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX  XXXX XXXX, NY XXXX. The vehicle turned out to be a lemon. It completely shut down on me after only a month and a half of use. The vehicle was returned to XXXX XXXX  XXXX XXXX XXXX lot, where it was repossessed and sold in auction. The loan is now on my credit report and is having a negative affect on my score. It is my belief that under NYS Lemon Law i should not be liable for this loan especially since the company repossessed and resold the vehicle.
Product: Credit card or prepaid card

On XX/XX/2022, I made a payment on my Chase credit card XXXX through another financial institution in the amount of {$1700.00}. On XX/XX/2022 I check my Chase account because I received a notification that my payment was received but when I check my available credit it says {$0.00}. I called Chase 4 times on XX/XX/2022 and inquired how there was no available credit when I made a payment. Two reps were extremely rude and disconnected the line prematurely and the other two reps did not offer to credit my account even though Chase already received the funds from my financial institution. As of right now, I do not have access to the {$1700.00} AT ALL. Chase has robbed me and is holding my money hostage. I will not accept this level of discrimination according to 15 USC 1691.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Also acct has wrong information showing having my last name as XXXX XXXX which is incorrect and also wrong move out date showing. I have disputed this many times. Please help me 15. USC Section 602A state I have the right to privacy.

15. USC Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Student loan

I was recently switched to a new services and I have been calling for moths and all they tell me is the payment count will be fixed soon in 30 days well its been 6 months and no progress. I asked if they had all my information from last servicer and they said yes but no progress has been made yet XXXX getting frustrated that I XXXX not get my loans forgiven based on their lack of knowledge.
Product: Credit card

A fraudulent Account was opened under AAFES/Military Star. The account was approved with a {$6500.00} credit limit and {$100.00} dollars was charged by the fraudulent person to purchase a {$100.00} gift card. 

My XXXX  number, social, date of birth and address was used to open this account to include my email address.
Product: Debt collection

I have been receiving credit statements from an entity associated with XXXX XXXX for months and have spoken to many reps from both parties in regards to the past debt which was taken care of back in XX/XX/2017. XXXX shows the debt being settled while this credit company continues to pursue the old account. I have been in contact with a XXXX XXXX and a few others at XXXX who all have pulled my accounts and have stated the debt was settled by my mother in XX/XX/2017. I was involved in a bad XXXX XXXX accident and was in the hospital for 2 weeks and upon being discharged and sent home my services were suspended and she made the call to settle what was owed and also to have new service activated. XXXX has stated my services wouldnt be active right now today if I owed with them or had a current account outstanding. I have records I will provide to show the amounts paid off on two separate charges to my mothers XXXX XXXX card account. As well as documentation from the credit collector harassing me. This has dropped my credit score while Im in the process of bringing it up to purchase a home. I need this resolved once and for all as soon as possible. Ive been told from XXXX XXXX that they can not get it together and have outsourced many departments including billing to companies who do not stick around long but continue to pursue accounts on their behalf no longer in contract with them. Please help as XXXX has claimed it is settled but this Credit Protection Assoc is continuing to harass me.