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

On XX/XX/year>, I received an email from Truist Bank ( email address XXXX ) stating they sent me an important message about an incoming deposit and to accept the e-deposit to my account by clicking on a link. The issue is that I don't have a Truist account and never opened an account. When contacting Truist customer service at XXXX to determine what this email is about and to confirm if an account was opened in my name fraudulently, they were unable to verify whether an account exists or not. The only verification is by providing my SSN which I refused as I do not know if this is some sort of fraud or a legit bank. When asking the representative if there was a local branch for me to go and verify if any accounts were opened in my name, there are no branch locations in where I live ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). I also contacted Truist Fraud Department at XXXX and they could not assist me at all. I've never done business with Truist Bank and I want to verify if any of my personal information was used to open an account but unable to get the information I need from Truist. I would like to file a complaint if an account was opened in my name and this is considered fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' SELF FINANCIAL/LEAD BA XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ 520 Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 24 Months XXXX sold - Original creditor - Comments Account paid from collateral Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX KANSAS XXXX XXXX MO XXXX XXXX number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : DEPTEDXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date, they have not responded. 

Your agency is reporting inaccurate information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I recall my original creditor was XXXX XXXX XXXX XXXX, which is obviously a different company than the one indicated by your agency. Additionally, I have never been contacted by the company you mention and have no contract with them. Your agency provided false information about the balance of {$290.00}, which is higher than I believe it to be. Due to these inaccuracies, I am disputing this entire account and requesting verification of the Date Opened and Date of First Delinquency. 
The information presented for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also inaccurate. The original creditor on this account is a distinct company, XXXX XXXX, than the one you indicate. You provide erroneous information about the balance of {$150.00}. The reported balance is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 
The information presented on the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  needs to be investigated. I recognize the original creditor as XXXX XXXX XXXX XXXX but I have not been contacted by XXXX XXXX. The balance amount of {$130.00} is inflated and inaccurate. I do not recognize this amount and believe I owe a lower balance. Due to these inaccuracies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency. 
The information presented for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is also inaccurate. The original creditor for this account is XXXX XXXX but I do not recognize the company stated on this account, XXXX XXXX XXXX XXXX as I do not have any contract with them. The reported balance of {$400.00} is not accurate, as I recall the balance being lower. I dispute the entire account due to this inaccurate information and request verification of the Date Opened and Date of First Delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me as an Authorized User on XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX, however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.
Product: Mortgage

I received a Home Modification due to XXXX on XXXX and to stop a foreclosure, of becoming nearly 3 months XXXX behind on mortgage of XXXX. At that time I was with Bank of America ( FHA/fixed rate ) and I had spoke with them Mortgage dept. and was told they can do a Modification to stop foreclosure, due to ( {$2100.00}. late ) The mortgage Representative, Bank of America said they will expedite XXXX  package of documents with tabs attached to just initial it and sign and date return same day and so I did. Once they had processed the Modification I received the documents of Partial Claim Deed of Trust dated XX/XX/XXXX Dept of Housing and Urban, Principal sum of ( {$20000.00} ) as being charged for modification as a second Lien, ( case # XXXX ) I had reached out to Bank of America mortgage department on many occasions asking why so a high rate of charges, explain to me, and I had left so many messages and never ever received a call back at all. I never received a breakdown as to the principal amount they charged. Within two months they transferred my Mortgage to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # 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. States : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

The AAFES XXXX XXXX charge card was opened in XX/XX/XXXX, always was in current status. 

In XX/XX/XXXX, due to circumstances, my account went past due. It however never reached charge off status, yet, on my credit Army Air Force Exchange Services, always reported it as a charge off, and at that time, they had me make a payroll deduction, until I paid it off in XX/XX/XXXX. 

Now, suddenly, after paying it to a {$0.00} balance, it is reported on my credit as having been paid late for the last 4 1/2 years and it also shows that it was paid under a partial payment agreement.

At that time I made arrangements with the " internal collections department '' at AAFES, I was never offered any type of reage program or told that I was paying it under a partial payment agreement. 

I feel that the representatives with whome I spoke to in XXXX, didn't follow proper procedure, didn't offer me a reage program, and lied to me, telling me, that my account was already charged off, even though my account never reached the prescribed amount of time required by regulations, to be an actual charge-off account. 

I feel that I was wronged then, and I am especially being wronged and punished twice, as now I have over 23 months of late payments suddenly show up on my credit bureau, which is affecting me in several way at this time. I might have to take the complaints to a higher level, maybe legal action will have to be initiated, if things are not corrected on my credit bureaus.
Product: Debt collection

Credit collection service placed a past due debt from originally XXXX on my credit report without any information given to me or mailed to me. They did not give me a chance to dispute or even pay this before reporting to the credit bureau. I ask them to please remove this asap and give me a email or to resolve this issue.I do not have a phone my emails is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have filed numerous disputes with XXXX, Equifax, and XXXX  starting in XX/XX/2020 about information that is reflected on my credit report showing my closed account with XXXX XXXX as 90 days delinquent which is false information that has hurt my credit report dearly as result. This information was disputed because my account with XXXX XXXX was closed in XX/XX/2020 and the balance was sold to XXXX XXXX XXXX on XX/XX/2020, and yet in spite of this XXXX XXXX has been reporting late payments to date which has caused a closed account to go into delinquent status which is nonsensical. Per Fair Credit Reporting Laws, the creditor which has closed my account and no longer owns the debt can not report to my credit bureaus my account being in delinquent status. XXXX, Equifax, and XXXX  has not acknowledged this and has continued to allow XXXX to hurt my credit.
Product: Student loan

After reading the news about XXXX and now Navient I realize my situation matches several of those stories. Two week prior to graduating from XXXX in 2008 I was pulled out of class and taken to see a woman I had never seen at the school before ( maybe XXXX staff member in that entire building I knew them all at this point ). 

She tells me there has been an issue with my financial aid and that for the last year I have had no finances to pay for that years tuition, and I am now on the hook for nearly {$20000.00} in fees. They claimed the prior finance director never sent off my aid request for that year and showed the dated document from her filling cabinet. In my panicked state I was pushed into signing a high interest private loan. That did not have some of the safety nets traditional student loans have. 

The following week I was asked to stay at XXXX to complete a XXXX degree but in a different field that my XXXX degree. When asked why there 's not a XXXX degree for my graduating field I was told that my class would be the last one to graduate from XXXX with my degree because employment rates for graduates was less than 30 % and that they 'd no longer be offering those courses. I found this very surprising because 2yrs prior their recruitment agent boasted 80 % + job placement rate for graduates. 

A year or two later when having trouble paying for my loans and sought options to reduce my payments I was told by XXXX XXXX to enter forbearance and that it was my only real option. 9 years later an {$700.00} a month loan payments my balance is greater than the original loan amount.
Product: Checking or savings account

I opened the checking account in XX/XX/2019 and deposited {$5000.00}. Based on the agreement I supported to get XXXX XXXX XXXX miles but have not got anything so far. In addition, i have not get any update from Citibank since XX/XX/2019.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Product: Credit card

My dad just requested AMEX to skip XXXX payment as Im the one paying the card but had a health issue that has me jobless. 

The agent offered XXXX options and he preferred the 12 month hardship plan but the agent gave the 48 month plan which block the card. And the agent just said it was the system. Definitely, AMEX is run by robots because of no human logic or concerned was placed. 

AMEX doesnt care for the customer. Other cards help by waiving or skipping the monthly payment except AMEX. Its not a complication. Its not difficult. 

Hoping to pay off the card and move out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX  XXXX {$940.00} XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX {$680.00} XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$12000.00} XXXX XXXX XXXX {$610.00} XXXX  XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00}
Product: Checking or savings account

Cash deposits are not recorded on time I recently made a cash deposit to cover an overdraft which Wells Fargo sent out an email that I had that so call extra day deposit which I did. What I thought was funny is when I made the cash deposit in the bank ATM, I did not get a text receipt. So, at XXXX I login to my account I was charged XXXX overdraft fees that I made a cash deposit for the night before at XXXX. I called the customer service and explained that I made a cash deposit into the bank ATM to cover the overdraft. I customer service rep tried to give me a hard time. And offered to refund me {$52.00}. I said No I did my part and made the deposit. So, the rep said we will refund the fees this XXXX time. This happened to me last month and I let it go. It's the time of the year for Wells Fargo to take money. Please keep your eye on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Federally Protected Consumer I sent notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating their claim was disputed and validation is requested On XXXX XXXX, 2020, I mailed Navy FCU a certified debt validation letter, cease and desist, creditor/debt collector declaration, and a requested information form. The letter was mailed was delivered and signed for on XXXX XXXX, 2020, at XXXX. It has been over 30 days and I have not received any correspondence from them. 

I am a Federally Protected Consumer Navy FCU needs to be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Student loan

I applied for the SAVE plan for my federal medical school loans back in XXXX. On my Nelnet account, it says that they received this information on XX/XX/2023, however it is 2 months later and it still says that my IDR payment plan is still processing. I have contacted them numerous times to get an update on my situation, but all they say is that there is a backlog and they will send me updates every 10 days, which they have failed to do. This has cost me over {$2000.00} in interest so far that would have been nullified if they had processed my application and put me on the SAVE plan in a timely fashion.
Product: Vehicle loan or lease

My wife and I bought a new XXXX XXXX XXXX XX/XX/XXXX. Cost was XXXX. I ended up trading in my truck which I didnt want to but the salesman and finance manager said needed that to get deal done. Also had to have my wife who was girlfriend at the time co-sign and she had a score less then 400. I told the sales and finance to go through XXXX XXXX for my financing since I had used for 3 to 4 prior vehicles all paid off on time and max interest was 18 %. The XXXX XXXX XXXX of XXXX XXXX, XXXX Said I was denied and had to go through the only company that would take me. Which that was Exeter Finance LLC. Now they sold us a lifetime XXXX oil change plan for XXXX and said best for us to take XXXX that was XXXX through XXXX.? all financed at 28 % interest. With trade in and other we put down XXXX dollars financed XXXX. The oil change plan was through XXXX. Well I got first 2 free and have never had the free oil change since. I have been too 2 different XXXX dealers both have said I bought it but no one ever put into a system so not valid anywhere.so when all done total amount to finance was XXXX. As of today XX/XX/XXXX I still owe XXXX after 4 years of XXXX a month payments. We where told at XXXX that in six months from date we signed call and we can refinance with Exeter for a lower interest and payment. Which when we tried Exeter said that we couldnt refinance we bought it and its ours. XXXX a XXXX vet and have killed myself making payments. And still owe as much as we did 4 years ago an have 24 months left to finish contract. But I was lied to about lifetime oil change that I had to finance and the gap which we actually dont even have after being told missed a few payments so thats got voided but still pay 28 % on the XXXX and then being told that all good refinance in six months then Exeter says that not what deal is. And I also found out after that no one ever tried to finance through the company I said to go to that always financed me and way less interest. Have a XXXX  XXXX wife and living on a VA XXXX check makes it extremely hard to continue the robbery thats taken place. I should be paid back all interest on the worthless gap and lifetime oil change plan. And the XXXX those cost together and my interest should never have been over 18 %. And in Montana not legal to charge over 14 % but I found out late and only had a 2 year window to go through state to resolve. But Exeter also wont change payment date so Im late every month 15 to 20 days that they get extra money interest because they wont change date to the 1st of each month when I get my government XXXX pay. I hope I can get some relief in this mess. I cant afford it and I dont want to let it go back after paying XXXX dollars. Exeter finance is out of Texas and XXXX XXXX XXXX is headquartered in XXXX Oregon. Both companies lied and said things to get my truck as trade sell worthless services and I feel like I was scammed into the interest when they wouldnt refinance. I didnt have much issues but a year ago wife had mental breakdown has not left our house since XX/XX/XXXX. And I now have to be home taking care of her please try to do something. Thank you.
Product: Bank account or service

On XX/XX/XXXX at XXXX, Bank of America was ordered to put a freeze on my wife 's bank account for the amount of {$960.00}. The bank put a freeze on both of our joint accounts as well as her personal account for a total of almost {$4700.00}. They left us with {$0.00} in all XXXX accounts, which is against EIPA regulations. When I called to found out why our joint accounts were on a hold, I was told that the matter involves my wife and they can not tell me. When my wife called, she was rudely told that the agent can not help with the situation. He then put her on hold and then hung up. The next agent gave my wife the number of the collector that caused the hold and told her that nothing can be done until she speaks with the debtor, which was closed for the weekend. 
On XX/XX/XXXX, my wife was able to get in contact with the debtor and made reparations. She was told to go to the bank to get the {$2600.00}, that was not supposed to be held, released. 
I went to the bank and spoke with 2 managers. The first rudely told me that there was nothing I can do until the debtor mailed me the paperwork. The second manager told me the same, and brought me to a room to speak to the legal department via phone. The legal department informed me that the matter has to do with my wife, and they can not tell me anything ( even though it was regarding my accounts ). 
My wife called customer service and was told that a check would be sent out covering the {$2600.00}. 

On XX/XX/XXXX, my wife received a check for {$2600.00} for the amount that was excessively held.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX Accordingly, 15 U.S.C. 1681 602 ( a ) states, I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) Section 2, further states a consumer reporting agency can not furnish an account without my written consent.