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

I opened a new checking account with Truist Bank in XX/XX/. On XX/XX/XXXX I was emailed from Truist saying my debit card was on the way. Between then and the end of XXXX, Truist advised to deposit {$25.00} into my checking in which I did, but I never had access to. This was because I was told from a Representative of Truist their Fraud Department needed me to go into a local branch so they can validate my identification. I already made the deposit at this time and the account was open, but now all of a sudden I can't access my funds. I go to the XXXX, TX Truist location off XXXX XXXX in XXXX, TX and waited an hour for the Branch Manager who was the only one who could help who then told me he had an appointment and I would need to come back at a later date. I came back a few days later on a Saturday and was told that the Branch Managers were on vacation and out sick so there weren't any there that day. 

I filed a complaint with the XXXX XXXX XXXX XXXX Truist said they would resolve that complaint # XXXX within 30 days, but now we are XX/XX/ ( 35 days later ), and the continue to withdraw from my account that I don't have access too. Also, I did receive the debit card in the mail toward the end of XXXX, I tried to activate the card but it didn't work which is what prompted me to go to the bank to resolve the matter that was never resolved. Today, I submitted another complaint through XXXX   to have this matter resolved and my money rendered back to me, as well as time and travel spent as I live 15 minutes from that location, and the time spent on the phone as well.
Product: Prepaid card

I've tried using the card at multiple merchants. It always gets declined.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file is listed on my credit report XXXX XXXX Balance : {$840.00}
Product: Credit reporting or other personal consumer reports

I came across the CFBP XXXX lawsuit. I was negatively impacted, hurting my chances at a credit offer. I received a response to my earlier dispute that the accounts were verified. Come with the receipts or be quick to delete. Please delete these accounts from my credit report as soon as possible
Product: Student loan

I received a one-time adjustment ( an XXXX adjustment ) to my loan ( XXXX ) on or around XX/XX/XXXX. My effective date was XX/XX/XXXX ( the date at which I had fulfilled my XXXX obligation ). 

I am due a REFUND of my overpayments made after my effective date. These payments were made by auto-debit from my bank account. These payments were found in my history on NELNET. Soon after my forgiveness, the payment message changed to OTHER. These payments were XXXX. My refund should be approximately {$9000.00}. 

I sent an email form note on contact us page on XX/XX/XXXX at XXXX a.m. and did not receive a response. I have attempted to call NELNET on multiple occasions and can not get through. I also called but could not get through. I sent a letter to NELNET today. 
Account # : XXXX XXXX XXXX
Product: Credit card or prepaid card

New York & Company? Runwayreward credit card is failing to report my account status on a monthly basis to the credit agencies. This failure is affecting my credit rating. Please update this information on a monthly bases. 

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

My credit report shows I am delinquent but I have not open accounts that are delinquent. 
Only open account I have are mortgage company and I pay in time. 
A bank loan that for RV that I pay on time. 
I was in XXXX  XXXX bankruptcy three years back and paying the trustee. 
XXXX XXXX in Illinois. 
My credit report shows paying two of three on time. 
No clue what account is not being paid on time.
Product: Debt collection

I understand the importance of removing any incorrect information from my XXXX XXXXt according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Product: Debt collection

I called  midland funding  after seeing this on my credit report.I did n't remember opening an account with them, I called, they said the account was opened   XX/XX/XXXX , and it was sold to them, they purchased it  XX/XX/XXXX she said .I asked if she will repeat what you just said, her reply was do you want to pay the whole amount today? This means the loan was paid off and sold to them.This is the dispute, it was discharged, they wrote it off and was paid in full.I still get offers  for new credit card thru   XXXX   XXXX  .I should n't still be responsible.
Product: Payday loan

Quicken Loans obtained XXXX ( XXXX ) HARD Inquires from XXXX and XXXX Credit Reports Bureaus without my written consent ; consequently, these XXXX hard inquires lowered my credit score for future financial assistance. 

Quicken Loans XXXX Customer Services representatives XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX ) XXXX Ignored my request to REMOVE their Quicken Loans name from my XXXX and XXXX credit report files.
Product: Checking or savings account

Opened a savings account with XXXX XXXX XXXX  through Affirm because of its high APY of 0.65 % on or around XX/XX/XXXX. At the time I already had a savings account with XXXX XXXX XXXX but it did not have a high APY which is why I opened an account with Affirm. I decided to transfer the money that was in my XXXX XXXX XXXXXXXX savings account to my new Affirm account. I made my first deposit on XX/XX/XXXX in the amount of {$10000.00}. I made my second deposit on XX/XX/XXXX in the amount of {$10000.00}. I made my third deposit on XX/XX/XXXX in the amount of {$13000.00}. My Affirm account was frozen on XX/XX/XXXX. I called Affirm ( XXXX ) on XX/XX/XXXX at XXXX XXXX in regards to my account being frozen. I was informed by the representative that this is common when a new account is opened and deposits are made and that the issue would be resolved within up to 48 business hours. The 48 hours had passed and my account remained frozen. I called Affirm back on XX/XX/XXXX at XXXX XXXX. I was informed by the representative that there was a delay on these types of requests due to COVID and that this issue should be resolved ( account becoming unfrozen ) within 3-5 business days. I proceeded to call Affirm 8 more times on XX/XX/XXXX at XXXXXXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXXXXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX XXXXXX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXXXXXX XXXX XX/XX/XXXX at XXXX XXXX, and lastly on XX/XX/XXXX at XXXXXXXX XXXX. I called Affirm for over a month and was consistently being told that they needed to extend the waiting period another 3-5 business days while they were " investigating '' the matter. On my final call to Affirm I was told that my account was being permanently frozen and that they could not tell me why and that I would have to contact XXXX XXXX XXXXXXXX in order to get my funds back. I proceeded to call XXXX XXXX XXXX  ( XXXX ) on XX/XX/XXXX at XXXX XXXX  to inform them of what was going on and they informed me that they could not assist with any account opened through Affirm. Ultimately, my account was frozen with a total of {$33000.00} in it unlawfully and illegally due to what I believe is discrimination. ( In addition to the {$33000.00} that I deposited, my account accrued interest in the amount of {$16.00} bringing the total to {$33000.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not reach this reporting agency to conduct a proper investigation of derogatories put on my report fraudulently! 

Yesterday I was notified by one of my credit monitoring services that a third party had placed on my report fraudulently derogatories! 

This company violated my rights under the Fair Debt Collection Practices Act ( FDCPA- Prohibits collectors from reporting false or embellished information on a consumers credit report ) and Fair Credit Reporting act FCRA ... the did not contact me in reference to the purchase of a bogus debt... 


Then used The account that they referred to as the third party ( XXXX  ) which was removed earlier this year when they failed to provided the proof of debt required under protest. 


Said debt was charged off the punched by XXXX XXXX XXXX... with out contacting me and providing said proof of debt... with original signatures as required... if so Please have them provide proof ( mail tracking numbers or registered mail receipts ) .. becuase I have no record of receiving any notice! 

Infact had they reviewed my reports they would have seen that I have a current credit card account with XXXX! 


I tried several times to place a dispute on line with negative results! Please remove said derogatories from my credit report with all three buearus immediately!
Product: Debt collection

I sent over three letters in 4 months for this company requesting debt validation. A request was made in pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. As stated in the law, the company did not cease collection activities, in fact they kept reporting to the credit Bureau. To date the only correspondence I have received is a bill, not anything with my signature to validate the debt they believe I owe. It has been more than several months since I place a debt on my credit report and more than one month since I requested validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

In accordance with the fair credit reporting act XXXX  account number ( 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 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

FIVE COLLECTIONS ARE REPORTING UNDER MY XXXX CREDIT REPORTING AGENCY, THESE DO NOT BELONG TO ME, I HAVE ALREADY ATTACHED MY POLICE REPORT THAT AT SOME POINT I WAS A VICTIM OF ID THEFT AND THESE DO NOT BELONG TO ME, PLEASE YOU ARE MY LAST HOPE TO THIS ISSUE, THIS HAS GONE LONG ENOUGH THEY ARE THREATENING ME AND XXXX  IS NOT HELPING THEY ARE TAKING THE COLLECTION AGENCIES, AND NOT THE CONSUMERS, PLEASE HAVE THIS ISSUE RESOLVED, I CANT FIND ANY OTHER WAY TO HAVE THIS RESOLVED, AS A CONSUMER I NEED YOU R HELP THEY ARE NOT ALLOWED TO REPORT ANY MEDICAL RECORDS OT OTHER AGENCIES, ESPECIALLY IF THESE DO NOT BELONG TO ME, PER HIPPA LAW THESE ARE NOT BYLAW ALLOWED TO BE ON SOMEONE ELSE 'S REPORTS. 
PLEASE HELP THANK YOU
Product: Debt collection

I have sent several letters asking this company to verify my debt and they have yet to send over any documentation showing that said debt. They continue to report this debt to the credit reporting agencies which is damaging my credit. I have the right due to the Fair Credit Reporting Act to request this information and be provided with it in a timely manner. If they fail to do so they should immediately have this taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because a collection agency ( XXXX XXXX XXXX   ) reported a collection account on my credit report that I completely disagree with. I don't acknowledge this account. I sent this agency 2 dispute letters by certified mail in an effort to resolve this matter. I demanded proof of the debt that they claimed was mine. They were unable to produce any documents that proved that I agreed to any debt. These letters were sent on XX/XX/18 and XX/XX/18 by certified mail which I have all the reciepts. XXXX XXXX XXXX failed to provide any actual proof that I agreed to pay this alleged debt. They never responded back to my 2nd certified letter, and now 3 1/2 months later they have placed this unverified account on my credit report with no proof. I demand that they remove this credit account from my credit report immediately.
Product: Debt collection

On XXXXXX/XX/XXXX, XXXX XXXX file a judgment against me at the XXXX XXXX XXXX. The court date was scheduled for XX/XX/XXXX. I went to court and a judgment was established. I was ordered to pay XXXX. On XX/XX/XXXX, I went to the apartment complex formerly known as XXXX XXXX. XXXX XXXX is now under new management and is called The XXXX XXXX. Not being aware of how to resolve and settle the debt, I went to the XXXX Municipal Court Clerk. I was advised the payment will have to be submitted to the original debtor before the judgment could be considered satisfied. I went to The XXXX XXXX ( formerly known as XXXX XXXX ) on XX/XX/XXXX. I tried to pay with a check so I could have a record. However, the representative stated they would only accept cash. I went to the bank to withdraw the funds ( {$760.00} ). The funds were then taken to The XXXX XXXX office. The representative printed out a judgment satisfied form and stated I would have to take the receipt back to the XXXX Municipal Court. A year later ( XX/XX/XXXX ),  ProCollect Inc was still reporting a balance the credit bureaus ( XXXX, XXXX, and XXXX ). I contacted ProCollect Inc by phone on XX/XX/XXXX. The ProCollect representative stated I would have to email the receipt to them. I emailed the receipt to XXXX. I called back to make sure the information was received. The representative stated the receipt was received. However, the receipt must state the account balance is {$0.00}. On XX/XX/XXXX, I went back to The XXXX XXXX ( formerly known as XXXX XXXX ) to get another receipt stating the balance is {$0.00} and the judgment was satisfied. I submitted both receipts ( via email ) to XXXX. On XX/XX/XXXX, I called ProCollect back to ensure they received both receipts. However, I was unable to speak with a representative. A week later, I received a letter in the mail stating the balance is {$670.00} and collection attempts will be made. At this point, I am frustrated with ProCollect Inc and start seeking paid debt information. I was informed I should file a complaint with the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

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

On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX for 5  years at a very high interest rate of over 17 %. So I refinanced the loan with America first credit union. 
I recently checked my credit report and the account with XXXX XXXX is listed as CLOSED even though it was paid in full. 

On or around XX/XX/XXXX America First paid off the loan on my behalf with XXXX XXXX and refinanced my XXXX XXXX XXXX thru American First CU for 2 years. 

On or around XX/XX/XXXX I again refinanced the remaining year of the XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. The loan was paid off in full by XXXX XXXX XXXX XXXX. 

Just like XXXX XXXX  listed the account as CLOSEDso did America First Credit Union listed the account Closed I have recently learned that closed accounts dings your credit reports big time. 

I have been on the phone with America First to change this but they insist the loan to them was not paid off by me therefore but closed out. I totally disagree with this because the loan between America First and myself was paid off.
Product: Credit reporting or other personal consumer reports

Im very upset to find unauthorized entries on my credit report today. Refreshing my browser did nothing to resolve this. Please check the documents Ive sent and address this issue immediately to prevent further distress.
Product: Credit reporting or other personal consumer reports

I requested information from when I opened this XXXX XXXXXXXX account but it has been over 30 days and I have no gotten any word on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to ALLY FINANCIAL for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo refuses to answer a phone call or they put me on hold or transfer me or hang up on me in regards to my open case I got a letter from the attorney general and the office of the commercials and it says that I was supposed to be doing a settlement or having a settlement with Wells Fargo just to call simple as that but not so I called in there give me the runaround they will not respond to me so XXXXis my  number thanks
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I previously submitted complaints to cfpb on XX/XX/year> about this inaccurate account, XXXX XXXX, no account number given, that is incorrectly showing on all three reporting agencies. My claim numbers are as follows : XXXX XXXX XXXX XXXX Trans Union XXXX Prior XXXX XXXX above-mentioned complaints, I had contacted all three credit reporting agencies twice regarding this inaccurate XXXX  account, making the XX/XX/year> cfpb complaint my third attempt to correct the inaccurate information. 

Each time I have contacted these three credit reporting agencies, I have provided all proof that XXXX XXXX never validated this debt. 

As of today, XX/XX/year>, the inaccurate account in question, XXXX XXXX, has been updated to closed with a balance on XXXX and Trans Union. This is still incorrect. 

XXXX is still showing the XXXX account as a current open collection account. 

The reported information is not consistent with all three agencies, and XXXX XXXX has also never proved that they ever validated this debt. 

I am again, for the fourth time now, providing proof that XXXX XXXX never validated this debt. All proof of what I have said above is attached. 

Because of the reasons mentioned above, all credit reporting agencies must delete the XXXX XXXX account from my credit report. 

Thank you for your prompt attention to this matter.
Product: Bank account or service

Dear CFPB - I submitted a complaint in XXXX 2016 XXXX XXXX ) and disputed it. I have yet to get a response from Chase on the dispute. I have now received yet another bill even though my dispute has not be replied to. I am now starting another complaint so I can try to get this resolved. 

I have been told Chase is willing to waive the drill fee ( {$150.00} ) and any past due charges ( currently {$74.00} ). When I originally called the XXXX XXXX branch I never received return calls. After seeing the poor customer service I have received from this branch I will not take the time to drive all the way to get this resolved. 

In my original complaint ( XXXX ) I was told 'we are unable to remove you from the XXXX. The only option available is to drill the XXXX and close it out. I need to ensure they can do this without me having to go all the way into this branch. I no longer live in the area. If they can not do that I must have a have a letter stating this is how it will be handled as, again, I have no faith that the branch will be able to handle this. 

Please advise. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Multiple times over the years I had mistakenly sent the wrong person money through zelle and XXXX  would not refund the money even though there was no warning or confirmation of who I was sending money to. Basically just lost money I could not afford to lose