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

I recently encountered multiple issues while opening a checking account with Truist Bank online. Initially, when attempting to create an online account, I encountered technical difficulties that caused the screen to freeze. After repeatedly clicking the button, I was blocked from accessing my account. To verify my identity, the bank requested that they send me a text message, but they were unable to use the number provided as it was registered under a business account. Despite explaining the situation, the issue persisted until I provided a different phone number. 

Unfortunately, my issues did not end there. When I attempted to log in to set up direct deposit, I received a notification that my account was blocked due to fraudulent activity. I was directed to visit a branch for further assistance, where I was informed that I had two accounts that were closed without explanation. The branch representative instructed me to wait for ten days before calling to request the return of my funds.

While I understand the importance of security measures, I find the handling of my situation by Truist Bank to be unacceptable. If the bank closes my account, I expect to receive my funds immediately. Waiting for ten days to request the return of my funds is unacceptable.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card accounts 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 open date XX/XX/XXXX an an XXXX XXXXXXXX open date XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXXXXXX an phone service XXXX XXXXXXXX with balance of {$2300.00} an auto loan an auto loan opened with XXXX  open date XX/XX/XXXX account XXXX balance XXXX These accounts have resulted in 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 XXXX 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.
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 BELOW ARE A LIST OF INQUIRIES Removal XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX I Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have worked very hard to never have a late payment towards my creditors. Upon refinancing my home, I made arrangements to pay off my XXXX card. The payment was due on XXXX title company cut check to XXXX on XX/XX/25 and it was sent immediately. By the time XXXX processed the check it registered as past due 30 days. I have had perfect payment history with ALL of my creditors up until this entry
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. IS 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 instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Credit card or prepaid card

I'm in escrow to sell my house. The Title Company found an old Judgment against me in favor of XXXX XXXX recorded by The Moore Law Group in 2011. I contacted them to find out if I still owed money on it, and they told me they had no active records for this lien, but refused to help me any further. If any money is owed I will gladly pay it, but they are holding me up from selling my house, and I'm in danger of the buyer cancelling the sale if I can't clear title. My escrow is scheduled to close on XX/XX/XXXX, so I'm desperate for help!
Product: Money transfer, virtual currency, or money service

I got an email from Gemini stating they are closing my account without any explanation and that I have XXXX  days to transfer before Im locked out. I tried to transfer my XXXX  out of Gemini and to my XXXX account but Gemini website saying Im not allowed to do so. There is no way to contact Gemini for help besides online support which can take days or weeks but they only gave me XXXX  days to move my XXXX  but blocked me from moving my XXXX  out of Gemini. Im old and so frustrated with dealing with Gemini and need your help please before they close down my account and I will not have access to my wallet/money/XXXX. This is a horrible scam company and I need help with urgency please. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian Multiple times by mail and found asking them to lift my fraud alert of my accounts I was in the process of rebuilding my credit and I was just playing it safe as of now they will not remove anything from my account which is preventing me to get any type of services phone service says loans credit cards in my name Im a XXXX person Im doing my best they give me the runaround..Im totally frustrated I feel that they are taking a vantage of me like I said Im a XXXX person I dont remember everything Ive sent them documents IDs so security numbers all of that and they still will not remove the fraud alert on my account which actually prevented me today of getting XXXX XXXX XXXX cell phone service since they took my money but then canceled the service because they couldnt identify who I was
Product: Vehicle loan or lease

I am writing to formally file a complaint against Mercedes Benz Financial Services for violating an agreement to provide me with a grace period ( 90 days, payment deferral ) and subsequently reporting my account as XXXXXXXX XXXX XXXX XXXX days late to the credit bureaus. This action is both inaccurate and damaging to my creditworthiness. 
In XX/XX/XXXX, I contacted Mercedes Benz Financial Services to discuss my financial situation and requested a temporary payment deferral. After our discussion, Mercedes Benz Financial Services agreed to give me a grace period for upto 90 days. During this period, I was assured that my credit report would not reflect any late payments as long as the terms of the agreement were followed. I complied with the terms of this agreement. 
Despite this, I recently discovered that Mercedes Benz Financial Services reported my account as 90 days late on my credit report. This is both misleading and unfair. The inaccurate reporting has negatively impacted my XXXX XXXX and caused unnecessary stress. 
I have attempted to resolve this matter directly with Mercedes Benz Financial Services by contacting their collections department on XX/XX/XXXX but the issue remains unresolved. 
I request the CFPB 's assistance in investigating the matter and ensuring that Mercedes Benz Financial Services 1. Corrects the erroneous late payment reporting with all credit bureaus immediately 2. Provides written confirmation of the correction 3.Reviews and improve their processes to prevent such errors in the future.

Thank you for your attention in this matter.
Product: Debt collection

I received a letter from Midland credit management company XX/XX/2019 with a threat to forward my debt to a lawyer. If I did not pay XXXX I repeatedly get phone calls from this company. I have never opened an account with this company. I have never signed a contract or opened credit with them. I am currently working on a credit valatiion letter and a cease to contact. They continually call. I want them off my credit reports as well. Companies should not have so much power to try and scare you into paying them. Everyone has problems in their life. Making threats to sue or jail seizing property is ridiculousle Than you for your help
Product: Debt collection

In XX/XX/2020 during the pandemic I started receiving phone calls from Portfolio Recovery using a robotic recording not identifying themselves saying this is a importing legal issue for me to contact the number they gave me which I never called back cause I don't have any legal issues which all calls are coming up private. They continue to call daily private not knowing who it was I answer, they told me is this XXXX XXXX? I asked who is this calling? they told me to give them my Social Security XXXX, address and date of birth. I told them no I don't no who you are and I don't feel comfortable giving out my private information not knowing if you are a scammer. I told them don't call anymore if you are saying I owe a debt which I don't contact me via mail only. I started receiving letters the last week of XXXX in I notice I was getting alerts on my credit report before I was able to send a dispute letter they flagged my credit report on XXXX XXXX 2020. I thought this was a joke cause according to FDCPA collection agency can not report misinformation or correct information until you are giving time to dispute a debt with a validation. they never gave me that chance so I sent a dispute letter asking for all the information I sent you on the attached documents and as you see they never sent validation of the debt and as you see the debt was withdrawn at court which should have been deleted.
Product: Mortgage

I have a home mortgage with the lender NewRez LLC. They added a premium lender placed hazard insurance to my mortgage without notifying me, and have been charging me {$130.00} a month for over a year. 

I have called them over a dozen times over the past 2 months, only to sit on hold for XXXX hours and then have them hang up. I have also tried messaging them multiple times on their online portal and never received a response ( they do not have any formal email addresses listed anywhere ). 

It's impossible for me to contact them. And they are unjustly charging me {$130.00} for a service I did not need, a service I did not request, and one they did not properly warn me about before doing so. And now it is impossible for me to remove this monthly charge from my escrow account because they are deliberately unreachable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus last XX/XX/XXXX to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX Balance : {$460.00} XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

I had to sign stuff on XXXX via XXXX for appraisal acknowledgment. Construction acknowledgment, Addendums, there's actually an estimate cost. 

I never received an appraisal until XXXX so why did I have to sign an appraisal acknowledgment for XXXX? The house wasn't even on the property yet. 

There are now XXXX different XXXX Easements, and now they took another XXXX ft wide easement because they are extending the road so now 27 feet in the front of the lot are gone. 

XXXX XXXX was never supposed to create the XXXX contract but he did and then the title company sent me the receipted sales contract for it on XXXX. He also was not supposed to have the loan costs in item A change but they did.
Product: Debt collection

I was contacted by National Recovery ( NRA Group LLC ) via text and email notifying me of a debt they alleged I owe from XXXX. The address they provided was incorrect and I knew without a doubt the debt was not mine. 
On XX/XX/XXXX I sent National Recovery a letter via USPS demanding substantiation of the debt and an e-mail notifying them of the incoming letter. I also explained in the email that I would file a police report with the information they provided as this debt was the result of an error or identity theft. 
Despite my USPS letter and two emails, I did not receive a response or substantiation of the debt in any form. Meanwhile, National Recovery filed and reported the fraudulent debt the credit bureaus. 
On XX/XX/XXXX I contacted National Recovery again by email and by phone. They said they would investigate the matter.
Product: Credit card or prepaid card

I sent a certified letter to Goldman Sachs on XX/XX/2022. The company has failed to acknowledge nor respond to my concern.On XX/XX/2022, I, XXXX XXXX XXXX, consumer aka natural person was denied an extension of credit by Apple through GOLDMAN SACHS BANK USA. On XX/XX/2022 when I applied for an Apple Card. 
I applied for the Apple Card in good faith with the intentions of receiving an Apple Card hence using my credit card ( social security card ). As you may or may not be aware adverse action against a consumer is AGAINST THE LAW according to the Equal Credit opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k.

You are subjected to criminally liability for violating 15 USC 1691 as I have proof that I was discriminated against by GOLDMAN SACHS BANK USA due to the response I received. 
Since the letter you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. GOLDMAN SACHS BANK USA should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 
Respectfully, XXXX : XXXX  Without prejudice, all natural inalienable rights reserved.
Product: Credit reporting, credit repair services, 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. 

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 XXXX XXXX XXXX XXXX XXXXXXXX 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 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

Private student loan with XXXX was discharged in XXXX XXXX  bankruptcy on XX/XX/2023. This loan was above and beyond costs to attend the university, and therefore dischargeable in XXXX XXXX XXXX  continues to report a charge off, balance due, and late payments.
Product: Debt or credit management

In XX/XX/XXXX I struggled with my credit cards and loans debt ( health problems and medical bills ) and decided to be enrolled in a debt consolidation program with Freedom Debt Relief. I was told and explained that if I signed the agreement I don't need to worry about paying each creditor separately. I just pay around $ XXXX monthly. The company will take care of my payments to the creditors and will negotiate lowering the debts. 
I signed a contract that my debts of an estimated amount of {$26.00} XXXX will be reduced to about {$20.00} XXXX to be paid : {$14.00} XXXX program settlement amount, {$6000.00} company 's fees and around {$6000.00} savings amount. The company negotiated with creditors and I signed all the negotiators ' contracts. Unfortunately I was not aware and not informed by FDR that they didn't take care of my monthly payments for several months. Later on I found out that my credit score went drastically down because there were 32 late payments reported in my credit report. 
Meanwhile I was informed by XXXX XXXX from FDR that I have to take out a loan and from now on make payments to XXXX XXXX company if I want to continue the program. I happened to figure out that XXXX XXXX  is a sister company of Freedom Debt Relief. In XX/XX/XXXX I was not informed about taking a loan and paying extra money. 
By XXXX I started to research and calculated that I have already made payments in total of almost {$18.00} XXXX but XXXX XXXX was expecting me to pay additional {$15.00} XXXX which would make a total of {$31.00} XXXX instead of around {$20.00} XXXX that was clearly stated in the contract. I called FDR and XXXX XXXX agents several times trying to negotiate the amount I owed but without positive outcome. During the Covid time I was still making smaller payments until I decided to stop payments thinking about a written contract and agreement with FRD.I refused to pay additional {$15000.00}. They were harassing me with the calls regarding payments and finally on XX/XX/XXXX my case was passed to the Collection Agency that reported me again to the Credit Buro and my credit score went down again. 
Here is my complain : 1 ) Freedom Debt Relief company ruined totally my credit history and score 2 ) FDR was dishonest with me and broke the contract that stated estimated total payment of {$20.00} XXXX instead of {$31000.00} 3 ) FDR forced me to take a loan from their sister company XXXX XXXX 4 ) A lot of fees I had to pay to both agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my credit report from XXXX XXXX XXXX. The original creditor is Capital One. XXXX XXXX XXXX is reporting that the account is still open, and reporting that it was opened in XXXX of XXXX. Both of these are inaccurate information as that account has been closed since XXXX. They are still making reports to the account, latest report was XX/XX/XXXX for an account thats been closed for almost 2 years. I submitted MULTIPLE disputes to XXXX, XXXX and XXXX and stated that i NEVER had an account with Capital One from XXXX of XXXX. XXXX deleted the account from my credit report. XXXX and XXXX did not. The FCRA states that information on a credit report has to be reporting accurately or it has to be deleted. XXXX and XXXX has refused to delete. If this account is not taken off of my credit report I will file a lawsuit against XXXX, XXXX and XXXX XXXX. XXXX XXXX has MULTIPLE reviews about them re-aging accounts so they dont fall off of your credit report. This is illegal and bad business practice. XXXX and XXXX have a legal requirement to remove falsely reporting information and have refused.