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

Please make Truist - Banking ; located in Florida. 

Please refund all monies incurred incorrectly as caused by a Merchant that did not deliver products and goods and still charged me incorrectly. 

I have processed a Claim with Truist please refer to : XXXX. 

This bank continually charges me overdraft fees even though I have contacted the merchant to cancel all fees and I am incorrectly charged over 7 times, of which I am correctly owed- If The Merchant had correctly refunded my fees I would not have incurred this. 

I am planing to pursue an action for Theft by larceny in the appropriate jurisdiction if this is not resolved by the Bureau of Consumer Protections. I have tried to walk in at a Truist Bank, I have called over XXXX times, and spoke with numerous persons, I have stayed on the line for more than XXXX hours and nothing has been able to be resolved. 

The merchant incorrectly charged me,- which caused me to incur overdraft fees, The Merchant has refunded XXXX transaction and Truist continually attempts to charge me over draft fees- Even When I had available funds for use. 
Truist has not refunded me any fees and I have closed all my accounts with trust. 

PLEASE ADVISE TRUIST THIS IS THEIR LAST AND FINAL WARNING TO PROVIDE ALL THE FUNDS THAT ARE RIGHTFULLY OWED TO ME OR YOU WILL BE FACED IN CIRCUIT COURT FOR CIVIL LITIGATION. I HAVE PROVIDED ALL INFORMATION TO TRUIST AND ITS REPRESENTATIVES AND NO ACTION IS TAKEN.
Product: Debt collection

Coast To Coast Financial Solutions sent a collection notice on XX/XX/XXXX for a collection of a debt that was credited on XX/XX/XXXX. After contacting Coast To Coast Financial Solutions ( today XX/XX/XXXX ) about the debt owed was {$310.00}. I called XXXX XXXX and they confirmed the debt was credited. I called Coast To Coast Financial Solutions back 30 minutes later and the amount owed changed to {$320.00}. The representative explained it was more interest due!
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I have complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be re-investigated or deleted from my credit record within 30 days. i have been patient and it has been long than 30 days and I still have not heard back anything! If it is determined through your investigation that the disputed items are inaccurate, please update my creditfile and send me notification that the information has been updated or deleted. According to the provisions of 612 [ 15 USC .1681j ], there should be no fees and I need this asap.
Product: Mortgage

I had a secomd mortage with XXXX ran into money issues around XXXX and could not make the payment. It was charged off aprox. 8 years ago and doe not even show on my credit report. I am now trying to sell my home and they are wanting the full {$23000.00}. According to Kentucky state law this beyond the statue of limitaions and can not be collected upon. I offered to make a settlement with the company that now hold the accoutn Shell Point Mortage. When I spoke with XXXX at ext XXXX she was attament that i would have to pay the complete balance even after I told her about Kentucky law she stated dosnt matter I would still have to pay.
Product: Debt collection

I am not LIABLE for this debt. I DO NOT have a CONTRACT with " National Credit Systems ''. As far as I'm concern this is a third party company who has taken this debt as a tax write off and still reporting it on my credit report which is deformation of character and not allowed according to the 15.U.S.C. 1681 Law. 


I am also requesting that the company send me the " ORGINAL '' contract copy with my wet signature I am also requesting that this company send a copy of the payment history, as well as the " ORGINAL ' address of the " ORGINAL '' creditor and I am also asking for proof of collection authorization.
Product: Credit reporting or other personal consumer reports

XXXX  POTENTIALLY NEGATIVE Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX  Balance {$16000.00} XX/XX/XXXX {$300.00} as of XX/XX/XXXX - {$19000.00} - 69 Months XXXX XXXX XXXX XXXX Auto Loan Individual XX/XX/XXXX Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms Repossession. {$16000.00} past due as of XX/XX/XXXX. On Record Until XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX XXXX XXXX Debt Buyer Individual XX/XX/XXXX Collection account. {$530.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$530.00} XX/XX/XXXX - - {$530.00} - 1 Months XX/XX/XXXX SANTANDER/CHRYSLER CAP POTENTIALLY NEGATIVE Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated SANTANDER/CHRYSLE R CAP XXXX Auto Loan Individual XX/XX/XXXX Account charged off. {$26000.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$6800.00} XX/XX/XXXX - - {$26000.00} - 76 Months XX/XX/XXXX XXXX XXXX XXXX  Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXX XXXXXXXXXXXX XXXX Secured Loan Individual XX/XX/XXXX Paid, Closed. XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms - - - - {$720.00} - 24 Months XXXX XXXX XXXX Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXX XXXX XXXX Individual XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$1800.00} XX/XX/XXXX - - {$1800.00} - 1 Months XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, another account opened on XX/XX/XXXX with XXXX account number XXXX another account opened on XXXX XXXX by XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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. 
CFPB Complaint against Credit Reporting Agencies 3 bureaus : XXXX, XXXX, and Equifax ) : Consumer Name : XXXX XXXX, Consumer Social Security NumberXXXX : SSN ), Consumer Date of Birth : XXXX, Contents of Complaint : 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 several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Debt collection

I had a loan thru credit acceptance corp, IN which I had full coverage insurance thru XXXX insurance company, I also paid {$800.00} For GAP INSURANCE coverage to cover what XXXX did not pay.XXXX Claimed the XXXX XXXX was n't worth but {$3000.00}. GAP insurance only paid {$1500.00}, it states in my documents that it would cover what ever was owed, I GOT SCAMED! THE PRICE THEY FINANCED WAS {$7900.00}
Product: Debt collection

Hello Recently I tried renting an apartment in XXXX. The property management said they ca n't rent to me because I owe money to a creditor. I asked her to please tell me who I owe money too because this was the first time hearing about this. She said in XXXX when I lived in XXXX at XXXX XXXX Apartments I owe XXXX. I was shocked and she suggested to call the apartments and find out what happened. So I did and they told me that I 'm not on record for owing money. But they were under new management in XXXX and to contact XXXX XXXX managment. I called a few times and left a message, still no word back. So I call back the realtor and ask if there is a number for the debt collector. She provided me with the number. So I called IQ DATA INTERNATIONAL. I XXXX them and read bad things that I should n't trust them and they are scam company that her assets and bullies people for money. But I still called because I did n't know what was going. Spoke with XXXX, at first she was polite. I explained my situation and said I was willing to pay back the money that I owe I just needed answers. And if I can do payment plans. But then she started changing her tone and being rude. Because I could n't provide her with how much I will pay and why ca n't I pay. Then she started raising her voice at me and I got offended and said I will call her when I have money and she rudely said yes you do that. 

That was the end of the conversation.
Product: Credit reporting or other personal consumer reports

I've tried repeatedly to resolve fraudulent inquiries on my consumer report. These aren't mine and I'm not responsible for them. They're causing me serious stress and financial harm. As an identity theft victim, I may take legal action if this isn't fixed. These false items have stopped me from buying my dream house and supporting my family. My finances have suffered greatly. I've attached my previous FTC letter about this issue.
Product: Credit reporting or other personal consumer reports

I filed a dispute in XXXX for a past due reporting to XXXX. XXXX denied my dispute even though proof of payment was submitted. My payments are due on the XXXX of each month. Payment was submitted on XX/XX/XXXX, this is not 30 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Consumer ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX 
City, State, Zip code : XXXX XXXXXXXX XXXX XXXXXXXX To Whom This May Concern, I am writing to request an investigation of the following accounts that I have NEVER opened or used. I am requesting the deletion of the following information from my Early Warning consumer report immediately. 
1 ) Bank Name : XXXX XXXX XXXX a. Open Date : XX/XX/XXXX b. Routing Number : XXXX XXXX Account Number : XXXX XXXX ) Bank Name : XXXX XXXX XXXX a. Open Date : XX/XX/XXXX b. Routing Number : XXXX XXXX Account Number : XXXX XXXX ) Bank Name : XXXXXXXX XXXX a. Open Date : XX/XX/XXXX b. Routing Number : XXXX XXXX Account Number : XXXX XXXX ) Bank Name : XXXXXXXX XXXX a. Open Date : XX/XX/XXXX b. Routing Number : XXXX XXXX Account Number : XXXX XXXX ) Bank Name : XXXX XXXX a. Open Date : XX/XX/XXXX b. Routing Number : XXXX XXXX Account Number : XXXX XXXX ) Bank Name : XXXX XXXX XXXX  a. Open Date : XX/XX/XXXX b. Routing Number : XXXX XXXX Account Number : XXXX XXXX ) Bank Name : XXXX XXXX XXXX a. Open Date : XX/XX/XXXX b. Routing Number : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$13000.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX
Product: Credit card or prepaid card

I HAVE CALLED MISSISSIPPI EPPIC CARD 5 days in a ROW STAYED ON HOLD FOR 4-5 HOURS EVERYTIME OBLY SPOKE WITH A LIVE PERSON ONCE ONLY TO BE TRANSFERRED AN STAYED ON HOLD ANOTHER 2 hours Till I finally hung up! STILL NOT ABLE TO USE MY CARD With {$1600.00} on it!! No one will help me get my card unlocked!! EPPIC card customer service an speaking with live person is ABSOLUTELY PATHETIC AN IMPOSSIBLE! Someone please do something aboutt this issue!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the presence of fraudulent items on my credit report. Despite making multiple attempts to rectify this issue, the fraudulent items persist, negatively impacting my creditworthiness and causing considerable distress. 

I have followed the appropriate dispute procedures and submitted the necessary documentation to validate my claims. However, these fraudulent items remain on my credit report, affecting my ability to access credit and causing undue hardship. 

I understand the importance of maintaining accurate and reliable credit information, and I am relying on your expertise to rectify this matter promptly. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies. 

I urgently request that you conduct a thorough and expedited investigation into these fraudulent items and take immediate action to remove them from my credit report. I have attached supporting documentation to assist in your investigation. 

I expect a written response within 15 days, as stipulated by the FCRA, outlining the results of your investigation and the actions taken to rectify the inaccuracies. Additionally, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i recently check my credit report and notice a account that is not mine from citizen pay line of credit for {$2600.00} and i would like for it to be deleted from my credit report. i will include my FTC report below for your reference.
Product: Debt collection

I am writing to dispute a charge of {$460.00} on my XXXX credit report that was once removed off two of my XXXX and XXXX account when I was with/under the XXXX XXXX XXXX from XXXX in a half year. Now that I no longer with the XXXX XXXX XXXX, the company Mountain Run Solutions add the {$460.00} back on my XXXX credit. 
The {$460.00} charge goes back to over 12 years. I sold my house back in XXXX. In XXXX is when I received a letter from XXXX XXXX that indicated I had a balance. I even tried to work with XXXX XXXX to make payments because I wasnt aware of a balance was due for payment. They were not negotiable with me making any payments they wanted the funds in full. I wasnt aware that a company can collect a debit after 10 years. 
Can someone explain how can something be removed off your credit when Im paying the law firm to so call fixed my credit but when I stop paying them the hard inquiry be back on my XXXX score? 
Please remove the hard inquiries back off my credit score since the charge is over 12 years or longer. 
Please help me.
Product: Credit reporting or other personal consumer reports

Recently XXXX approved me a XXXX XXXX and a few weeks ago I registered with XXXX and now I was exploring the XXXX app and I saw that I have 2 hard inquiries that I do not recognize and they were not authorized by me XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX These hard queries do not belong to me, have not been authorized by me, and should be removed.
Product: Credit card or prepaid card

On XX/XX/XXXX a payment was made by ACH and applied to the Indigo Platinum Master card account for {$300.00}. On XX/XX/XXXX the funds cleared the ACH account and were no longer available. Indigo is a registered trademark of Genesis FS Card Services , Inc . When contacting the customer service line, the representative advised that the funds had been applied to the account but will not reflect for 3-14 business days. This means that the funds had be taken from my bank and are not in an interest barring account for 3-14 before they are applied to my account. This was not disclosed upon opening the account and I would not hav opened the account if I knew that they would keep funds for 3-14 days before applying them to the account. They are collecting interest off funds that are not applied to the customer account for weeks at a time. I believe the accounting procedures and interest accumulated from these practices should be investigated on all levels. They should also be required to share the amount of interest they are earning by holding these funds to all customers on a public platform.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ERC has violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. 
ERC failed to validate this alleged debt. 
I refuse to pay this alleged debt until the proper VALIDATION of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.
Product: Debt collection

XXXX XXXX of XXXX calling me daily and calling my relatives and threating me with supenoeas and legal action about a past debt. They have called me and my relatives mutlitples times. They need to stop and just send me complete documentation of the debt and what i owe.
Product: Vehicle loan or lease

I am experiencing a Hardship financially due to Corona Virus Covid 19 and requested by fax twice to Capitol One for a financial hardship request. I have paid on time for 3 years. They denied working with me not once but twice. I really wanted to work out a payment plan with Capitol One however I was denied twice.