23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged FMLY SUPP - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I went to the Chase XXXX branch in XXXX, VA to open a business checking account with a promotional code I had received in an email. I worked with a bank named XXXX XXXX, who opened the account for me. He took both my driver 's license and court document for my business trade name and made copies/scans of in another room while I sat in the office. 

A couple days ago, I received a letter postmarked XX/XX/XXXX, saying that additional information is needed to keep the account open, and that I needed to supply this information by XX/XX/XXXX. I did not received this letter until the end of the day on the XXXX, which was a Friday. I called into Chase to try to figure out what exactly they needed, but they would not tell me anything, only that I needed to go to the branch I opened the account in to resolve this issue. No further information was given. I didn't even know what documents were needed to keep my account open. 

I couldn't visit the branch on Monday due to work, and ended up going the earliest I could, which was Wednesday, XX/XX/XXXX. In between then, I called multiple times to the branch to see what could be done on their end and every time, they said they'd look into it and get back to me, and they never did. Finally, on Wednesday, I went in person, was assigned to a banker named XXXX, who proceeded to take my all my personally identifiable information again and go off into some back room for 15 minutes. When he came back, I asked him what he did, and he said he scanned the documents into the computer and that I should be good to go. I asked him what was missing before that caused this issue, and after 5 minutes of browsing on his computer, he couldn't tell me. I asked him how long it would take to know if the issue was resolved and he told me to call back in 2 business days, but couldn't provide anymore information. 

Later that day, I decided to call into XXXX myself and try to follow up. I was eventually forwarded to the XXXX compliance department who told me that the account had already been closed on Tuesday, XX/XX/XXXX. This was the day before I went into the bank, had a banker take all of my personally identifiable information into a back room for XXXX minutes XXXX same as the first banker ) and come back and tell me I was " good to go. '' The compliance representative told me the banker should've been able to see my account was closed, and that if I had wanted a checking account, I would've had to open a new XXXX. Therefore, there was no reason for him to take my information to " scan. '' I'm very worried that my personally identifiable information has been compromised at this branch. When I was there, I found out that XXXX XXXX was not even an employee at that branch. When I looked at my paperwork, it showed that my account had been opened in the " XXXX XXXX - XXXX '' branch, which is all the way in New Jersey.
Product: Checking or savings account

I was selling a couch on line and the buyer didnt have XXXX XXXX XXXX XXXX but she had Zelle XXXX She said we had to send {$300.00} to Zelle in order to open an account. The money was taken from our checking account immediately but the buyer never sent any money in, even though she said she did. Then she said we had to send another {$100.00}, but we refused, having caught on to what was happening. I then called the bank to report it but they said there was nothing they could do. This buyer continued to try to contact us but we ignored her. 
This happened in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act.

The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX has violated by rights XXXX XXXX Account # XXXX has violated my rights XXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX XXXX 15 USC 1681 Section 602 A States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 It also state that a consumer reporting agency can not finished a account without a written statement
Product: Checking or savings account

( XXXX ). On XXXX, I mobile deposit a Wells Fargo check # XXXX in the amount of # XXXX to XXXX  XXXX XXXX XXXX account. Wells Fargo debited my account on the same date XXXX XX/XX/XXXX. the Check amount was shown credited to my XXXX  account on the same date XXXX XX/XX/XXXX. ( see statement attached ) ( XXXX XXXX. On XX/XX/XXXX Wells Fargo debited my account again for the same check # XXXX in the amount of {$1400.00} XXXX a total of {$2800.00} for the same check ( see statement attached ). 

( XXXX ). I contacted Wells Fargo on XX/XX/XXXX about the debit on XX/XX/XXXX. Wells Fargo credited me {$1400.00} for debit made on XX/XX/XXXX and said they will dispute the claim. 

( XXXX ). On XX/XX/XXXX, an adjustment was made for check # XXXX for {$1400.00} was debited from my Affinity account. 

( XXXX ). I contacted XXXX  and I was told that the adjustment was made as a result of the funds were not dispersed to them for the XXXX from Wells Fargo. therefore the Federal Reserve debited my account. ( as you can see from bank statements both debit by Wells Fargo was applied to my account, and my account had sufficient funds available. 

( XXXX ). I ask why was the check showed credited to my account if they didn't received the funds, the representative stated that once a check is posted to the account they automatically credit the account until they received the funds from the other bank. 

( XXXX ). Wells Fargo investigated the issue and said, they credited me {$1400.00} on XX/XX/XXXX relation to the claim and that they have resolved all concerns, and recommend that I work with XXXX  and the bank who debited the account directly. 

( XXXX ). After receiving the letter from Wells Fargo, I contacted XXXX  and inform them of wells Fargo recommendation. XXXX  refer me back to Wells Fargo because they didn't received the funds from them and that's why they had to make the adjustment to have debited my account on XX/XX/XXXX. 

( XXXX ). I further contacted Federal Reserve who refer me to you. 

( XXXX ). Wells Fargo debited my account for the amount of {$2800.00} for the same check # XXXX, I was only credited {$1400.00}, and my affinity account was not credited the other {$1400.00}. Therefore Wells Fargo still need to credit me back that {$1400.00} that affinity didn't received.
Product: Checking or savings account

I am victim of idenity Fraud and someone stole about {$100000.00} from one of my secure account in XXXX XXXX being not used for any purpose after opening it. Bank tried to recover money from all banks after sending fraud recovery request. All banks returned the money except one, Discover Bank. When I notified about illegal or unauthorized activity to Discover bank, they recognized, and their investigation concluded that account was not opened by me using my SSN, address and Name. They also sent me letter confirming their investigation. However, when XXXX XXXX  sent fraud recovery request to Discover Bank, they have responded back in contrary to their investigation, stating that the transfer was legitimate and denying the request. This is fraudulent. When I am contacting XXXX XXXX they are asking me to contact Discover Bank and ask for money. When I am contacting Discover Bank they are not willing to talk with me as stating account is not opened by me and so they would not talk to me. After repeating the try, I was able to talk to the fraud department of the Discover Bank, they said, they have completed their investigation and I should be contacting my bank ( XXXX bank ). Basically both banks are bouncing me back and forth. It seems Discover is playing to avoid returning money taken from my XXXX account. I need to resolve this and need help resolving this issue. Thank you.
Product: Credit reporting or other personal consumer reports

Ive recently took a look at my credit XXXX was furious when I seen all kinds of fraudulent activity that should not be posted to my credit attached is a report of items that need to be deleted and accordingg to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I was offered a great deal on a US Airways Mastercard on the airplane ... I took the deal and found out that it was not close to what they promised. The purser/attendants on the plane are overselling and lying about the terms of the deal. I was told 1 ) NO FEE EVER, 2 ) XXXX miles credited to my account when I spend XXXX XXXX on the card, 3 ) companions tickets XXXX per year, 4 ) access to lounges, and 5 ) early boarding. I got my Barclaycard from USAIR and charged XXXX $ on the card .... no miles were credited to my account. I looked at the account on-line and there was an {$89.00} annual fee! I called them the next day and they told me that they would not do give any of the benefits until the XXXX annual fee is paid ... .. Misrepresentation at the point of sale .... They would not forgive the annual fee but did offer to drop me to a lower card which had no fee but also did not give me the XXXX miles or other benefits. But I had to pay the fee to get the miles. The offer sounded great but they were lying through their teeth just to get a credit card application filled out. What they offer is absolutely not what the customers are getting. It is fraud if you ask me. I cancelled my card today after wasting a lot of time waiting for this deal to be real. It was n't.
Product: Credit card or prepaid card

I recently received a notice that Capital One has reduced my credit limit by {$4000.00}. I have been with them for an extended period of time. I have never been late nor have I had any problem with them. 

I can see no legitimate or logical reason for them to do this. 

This action taken by Capital One has now negatively affected my credit score because it has changed my Credit/debt ratio. This is through no fault of my own and the reps tell me that they are not authorized to fix it.
Product: Credit reporting or other personal consumer reports

RE : Incorrected or Unfair Credit Reporting by XXXX XXXX XXXX ( XXXX ) Crediting/Posting Date Error from XX/XX/XXXX - Present ( including XX/XX/XXXX ) To Whom It May Concern, XXXX XXXX XXXX is not crediting our mortgage payments to our account as they should be. The error in reporting has resulted in a late payment appearing on our credit report for the month of XX/XX/XXXX. XXXX  is not crediting our payments until they have cleared our checking account. This is not compliant with federal regulations. As you are aware the CFPB states 1026.10 ( a ) General Rule that payments are to be credited on the date of receipt, not the day the funds are collected. 

As of XX/XX/XXXX, XXXX began crediting our account only after the funds had been collected. This includes our most recent mortgage payment for XX/XX/XXXX. This change in posting resulted in XX/XX/XXXX being reported as 30 days late. This error was disputed and updated on all three credit reports for me and my husband. Then XXXX reported the same error ( within 60 days of being notified of the inaccuracy, another violation of federal regulations ) to the credit reporting agencies, however this time the XXXX error appeared in XX/XX/XXXX. I was able to successfully dispute this error as well, except for TransUnion for XXXX and XXXX for XXXX. Which is why I am asking for your assistance. 

Upon contacting XXXX and speaking with XXXX, the CSR responsible for reporting to the bureaus, she informed me it was the XXXX payment being reported because she failed to get the information in within time for it to reflect in XXXX. This is not true. It did appear and it was disputed and removed. She also states that XXXX was reported late because it was received on XX/XX/XXXX at XXXX XXXX. after the close of business. XXXX  business hours are Monday Friday XXXX XXXX XXXX. and federal law states 1026.10 ( b ) that cutoff times shall not be before XXXX XXXX. so this is also not true. She goes on to state that payments must be scheduled prior to XXXX XXXX to be credited to the same business day. This is also not true. If that were a true statement each payment in question would have been credited on the day the payment was received, none of the payments, including XXXX, have been credited appropriately. 

Please see the attachments and review for yourself. You will quickly see that XXXX is maliciously handling our account causing financial hardship. I understand that CFPB can not personally correct our credit reports, but I know that you have the ability to enforce the mortgage company to correct the inaccurate information that is being reflected in our report. 

XXXX has failed to credit our account correctly since XX/XX/XXXX, making false statements on its correspondence to the bureaus and to you, as well as reporting the same negative payment information to the bureaus within 60 days of one another. Their actions are a violation of the consumer financial laws put into place to protect consumers such as us. Your help in this manner will be greatly appreciated. 

Respectfully Submitted, XXXX & XXXX XXXX
Product: Debt collection

My son received care at XXXX XXXX Hospital on 2 occasions, XX/XX/XXXX, and XX/XX/XXXX, to address injuries received as a result of his participation in a high school athletic event. At the time of his initial hospital registration, the registrar was given XXXX insurance providers, our primary carrier which is XXXX, and the carrier used by the high school, which was at that time XXXX XXXX. 
Sometime thereafter I began receiving receipts verifying payment from other agencies who participated In his care, namely the ambulance company that provided initial transport, the surgeon who performed the procedures, and the physical therapy group that was used for his rehabilitation. 
After receiving no such notification for some time, I contacted the XXXX XXXX Hospital billing department to inquire as to the status of the account, and was given a different number to call. After placing the call I was asked for my contact information, which did not match their records as the address listed with my name was the address for XXXX XXXX XXXX XXXX, who XXXX XXXX Hospital had apparently been sending invoice statements in my name. 
XXXX XXXX 's liability had been maximized, but instead of billing XXXX, the account was made self pay. Given the incorrect address listed on my account, I was not made aware of the outstanding balance, nor the fact that my XXXX insurance had not been billed. 
After I corrected my contact information with what I was then advised was a collection agency, I checked my credit report and found that the accounts had been posted as delinquent resulting in a significant impact on my previously excellent and unblemished credit history. 
My position is that should the XXXX XXXX billing department been accurate in the documentation of both my insurance carrier and my contact information, this would never have been an issue.
Product: Mortgage

I am in the process of purchasing a new home. SunTrust now Truist was the holder of my original loan. Since beginning this process, it has been almost impossible to get in touch with SunTrust now Truist. My new lender has called and faxed with no response and experienced impossible hold times. I was contacted by the buyers lawyer because they could not get through to SunTrust now Truist for the payoff. After being on hold for 3 hours the payoff was finally faxed to the Lawyer. My house closed on Wednesday XX/XX/XXXX, and I am set to close on my new home tomorrow, XX/XX/XXXX. I have been on the phone with SunTrust now Truist since XXXX am and my small request remains unresolved. The final ask of the underwriter is a written confirmation that a forbearance amount was actually included in the payoff and there was nothing else owed on my part. I reached out this morning unsure of whether it was included, if it was not included in the payoff, I was prepared to wire the money to wipe out the remainder. I talked with several people who fed me misinformation to get me off the phone as they were not able to tell if this amount was included in the payoff. I was sent to HUD twice who had no record of a lien being transferred to them. I spoke with SunTrust XXXX XXXX, Home Preservation Specialists, and Loss Mitigation. I was on hold waiting for a manager over 2 hours before walking into the SunTrust Bank in XXXX NC for assistance at XXXX. A very nice lady at the branch called someone that was able to get to the bottom of the issue and misinformation. He found that the Forbearance was still active when the mortgage was paid off on the XXXX and the payoff amount included the remaining {$8400.00} ( forbearance ) in the total. He went on to confirm that no information had been forwarded to HUD. Now all I need is documentation to prove this to my underwriter so that I can close on my home tomorrow. The team that is able to provide this information was contacted and advised that it would take at least 72 hours to receive this info. I asked if this could be escalated to a manager that could assist with generating this document today as I am on an extreme timeline and need help. I remained on the phone until XXXX, when I was told that XXXX XXXX would be calling me in 20 minutes and could help with my request. Unfortunately this call never came. I really need help as I explained to everyone I talked to today. I am set to close on my home at XXXX tomorrow and only need this one document for the lender to release the funding. I will return to the bank first thing in the am hoping they will be able to assist.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 


XXXX Balance Owed : {$510.00} XXXX  XXXX XXXX BalanceOwed : {$11000.00} XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are showing wrong addresses My current addresses as of XX/XX/2022 are - ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX. No. XXXX, XXXX XXXX, CA XXXX My old address is ( XXXX ) XXXX XXXX XXXX, XXXX, CA XXXX My correct " and only '' phone number ( XXXX ) XXXX This address fiasco is not being corrected by Transunion, XXXX and XXXX .... causing me a lot of problems in opening an online savings account
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSXXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for 10 years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. I have once again provided the information regarding the account in question : XXXX XXXX  Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$1600.00} DEPT OF ED Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$3500.00} DEPT OF ED Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$2000.00} DEPT OF ED Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$2000.00} DEPT OF ED Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$5500.00} DEPT OF ED Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$4500.00} DEPT OF ED Acct # : XXXX Open Date : {$500.00} Amount : XX/XX/XXXX I dont recognize these accounts. I did not authorize these and because of an evil roommate, I have to suffer for his terrible actions. These accounts were not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to TransUnion, as proof from the XXXX Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Product: Debt collection

Avid acceptance is claiming that I still owe the XXXX dollars when the vehicle loan has been paid by my insurance XXXX XXXX in the previous year due to total loss and also my gap insurance paid the rest I have filed over several disputes for this to be taking off my credit report with XXXX and XXXX nothing has changed so far but it is stopping me from other financial assistance
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. 
I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ). 
I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. 
I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

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