23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Team- I have been a loyal client of BB & T for over XXXX plus years and on XX/XX/XXXX, I applied for the new TRUIST XXXX XXXX XXXX  Credit Card with an application ID XXXX. 

Received a letter that the application was received on XX/XX/XXXX and that I would have an answer in ten days. 

On XX/XX/XXXX I received a letter from TRUIST that a CREDIT SCORE from XXXX could not be obtained. I contacted XXXX and there is nothing wrong with my credit report. 

I had this EXACT same problem with BB & T on XX/XX/XXXX whereby they had to contact XXXX. They fixed the problem, obtained the score and approved the credit card. Only after I had to write to the President XXXX XXXX for assistance. 

This is the SAME letter that I received from BB & T in XXXX. I guess they are using the same system after the merger with SunTrust Bank. 

On XX/XX/XXXX after over XXXX hours on hold, I finally spoke with a representative in the credit card department that was clueless. He did not understand the problem and I asked to have my call elevated to a supervisor named XXXX who said she understood the problem was a " feed '' from XXXX and she would elevate it to the XXXX Offices for resolution. 

On XX/XX/XXXX, I was asked to fill out a survey on my recent call to the credit card department and I gave them the worst possible score and wrote a complaint that no one could help me. 

On XXXX and XX/XX/XXXX I received a calls from XXXX from SUNTRUST BANK who said she was following up on my poor service. She called twice and could not help me. She said that she would elevate to Executive Offices to help me. 

NO ONE HAS REACHED OUT TO ME. 

Today, I tried to call Credit Card services and the wait time was well over an hour so I tried the " chat function '' on the website. IT Doesn't WORK. It tells you to call in for help? What is the purpose of the chat function? Try it. 

Bottom line. I would like to have my application reconsidered and approved for the new TRUIST XXXX XXXX XXXX Credit Card. 

Can someone please help me? I have talked to 5 different people and NO ONE SEEMS to understand the problem. 

XXXX XXXX phone : XXXX e-mail : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Sunrise credit services inn. for committing identity theft. I have never given sunrise credit service, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with Sunrise credit service and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022 I have not received any documentary evidence, such as a trilateral contract, giving Sunrise credit service any right to collect on this alleged debt.

I have never received any documentation requesting validation from Sunrise credit service before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Sunrise credit service can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Sunrise credit service, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Sunrise credit service, continues its collection efforts, I will file for litigation for actual damages caused and Sunrise credit service, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX  XXXX # : XXXX To whom it may concern : I am writing this letter to explain my situation regarding my forbearance process on my mortgage. I called on XX/XX/2020 to discuss my mortgage forbearance, I spoke to XXXX XXXX who identified herself as the senior Specialist Relationship Banker to inform her that I wish to discontinue the process of my mortgage forbearance. I informed XXXX that my monthly mortgage payment is available and can be deducted from my account monthly. As discussed with her the monthly payment was deducted accordingly from my XXXX account while its being in forbearance. XXXX informed me that she will remove it from my account and mail me a letter regarding the discontinuation of forbearance on my mortgage. I have not received that letter and I am still in forbearance. Please discontinue my mortgage forbearance on my account. 



Please anything you can do to expedite the process will be greatly appreciated as the error affects my credit report. 

If you have any questions feel free to call me anytime by email XXXX or by phone XXXX Sincerely and Respectfully, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX number XXXX X XXXX Fax XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a response from XXXX whom I filed a dispute in regards to my consumer credit report with XXXX. This was a response to a previous dispute about an unauthorized unknown and fraudulent account on my XXXX report. XXXX responded with a generic response stating the item was verified and will remain with no verification or documentation. A consumer credit reporting agency, XXXX is subject to the Fair Credit Reporting Act also known as FCRA. 

The item I disputed multiple times in writing is XXXX XXXX  personal loan XXXX. I sent multiple disputes including in XXXX, XX/XX/2023 stating this account was unauthorized and fraudulent. I asked for written proof documentation in writing including original signatures showing this account was authorized. Section 602 of the FCRA allows a consumer to request proof and verification of the investigation and documentation. In writing with original signatures for a disputed item to remain on a consumers report. I requested this multiple times from XXXX 

XXXX has failed to provide any proof of any investigation, failed to provide written signatures on original documents as required by Section 602 of the FCRA. Due to the failure to provide the requested and required written documentation and signatures I am requesting that XXXX remove without any delay the XXXX XXXX  personal loan item.
Product: Credit reporting or other personal consumer reports

I have a serious issue that needs to rectified with XXXX XXXX This company charged of this account on my credit report but its still reporting a balance of XXXX. That is against the law. A company can't charge off an account and still report a balance on the account. This is against the law. The company name is XXXX XXXX account number is XXXX and the balance they have on the account is {$9300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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 XXXX XXXX XXXX
Product: Checking or savings account

US Bank continues to put a hold on my account and my Dedit card since XX/XX/XXXX. 
On XX/XX/XXXX, and as per US Bank request I sent them a FAX containing copies of my Drivers ' License, my home electric bills, and my cell phone bills as identity verification, then they released the hold for the first time. 
On XX/XX/XXXX, I started to perform my first transactions, it was 2 online transfers from my US Bank account to my XXXX Personal Checking Account. 
The first transaction was a {$2000.00} transfer I performed at XXXX XXXX, and the second transaction was a {$500.00} transfer I performed at XXXX XXXX. 

US Bank only cleared the second transfer of {$500.00} on XX/XX/XXXX but hold the {$2000.00} transfer, hold all my account balance, and deactivated my debit card. 
And this {$500.00} transfer was my first and last transaction that US Bank processed to my account, as the bank continues to hold my money for unknown reasons. 

On XX/XX/XXXX I called them again at their phone number XXXX, and after a more than 1 hour and 15 minutes waiting, they answered my call, the US Bank 's agent stated that they need me to FAX them a copy of my Driver 's License to release the hold placed on my account and card. 
I informed her that I have already Faxed it to them, she said I must send it because it is not in file. 
On XX/XX/XXXX I faxed a copy of my Driver 's License and a letter ( attached ) to US Bank asking them to release any hold placed on  my account, but the hold never been released. 

I called US Bank today XX/XX/XXXX to check my Card/Account 's status, the US Bank agent confirmed that I have to wait from 10 to 15 business days from today for the hold to be released.

I believe that US Bank is violating the Federal Reserve Regulation CC for Funds Availability, giving me a really hard time through this Pandemic, and hold my money for almost 2 months and a half for unknown reasons.
Product: Money transfer, virtual currency, or money service

My Coinbase account has been locked since XX/XX/year>, and despite numerous attempts to access it, the account is still under review. The message displayed states : " Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or XXXX to check your status. '' It has now been over a week, and I have yet to receive any updates or communication. I have reached out to Coinbase customer service multiple times, only to be met with the same dismissive response : " Sorry, you can only wait. '' This vague, unhelpful answer is unacceptable and has left me completely locked out of my account and funds. I can't transfer money, trade cryptocurrencies, or perform any transactions, and this lack of transparency and support is infuriating. 

I have provided all the required documents promptly, but I am still unable to buy or sell. This situation is beyond frustrating, and I expect Coinbase to resolve this issue immediately.
Product: Student loan

In XXXX of XXXX, I received information from lending agency, XXXX ( XXXX XXXX XXXX ), stating they were taking over my current student loan with lender " XXXX XXXX ''. The loan with " XXXX XXXX '' had been established XX/XX/XXXX for school expenses while attending the University XXXX XXXX XXXX XXXX, in XXXX XXXX California. 

XXXX sent monthly statements showing the original loan amount and a payment due of " XXXX '' until XX/XX/XXXX, when I began to get statements showing an amount due of " XXXX ''. Shortly after that I received a letter from them saying the status of my account had changed but it offered no reason or explanation for the change. When I contacted them to inquire about the issue and to point out that I was still in school on a deferred payment loan, they said they were the new servicer and knew nothing about those details and were only concerned with what was sent on their statements. I did manage to get them to tell me they " represented '' XXXX XXXX XXXX, another name with whom I am still unfamiliar and who does n't show up on any of my original paperwork. Any other requests for information were met with ambiguity and the run-around. 

XXXX then began to press me for personal information they should have had already and threaten to impact my credit if I did n't agree to their terms. I did not. They sounded more and more like a predatory lender with each conversation. I suggested we continue talks when they could provide to me reasons for the change in terms and no notification. 

I did n't receive any more phone calls from them and only one more statement which showed a monthly statement balance owed of {$400.00}. I also discovered around XXXX they had made good on the promise to impact my credit score. I am still waiting for an answer to my request. 

I completed my course requirements in XXXX XXXX, and XX/XX/XXXX, I received a letter from NES ( National Enterprise Systems ), a collection agency representing XXXX XXXX XXXX, asking for {$4000.00} on an original loan amount of {$3500.00} over 10 years, at 6.667 % variable. I will send them a letter of dispute for the reasons listed above once completed with my request for assistance here. 

Who are all these people who are calling and asking me for money and personal and contact information they should already have? I have abided by the rules and guidelines set down in my original contract with " XXXX XXXX '', and if that loan was purchased by another entity, should n't the same terms apply with the new servicer in the spirit of fair lending? Paying back my obligation has never been the issue, but by the terms originally agreed upon. 

I did business with XXXX XXXX because it was what I could afford, then and now. By XX/XX/XXXX I hope to have a new job and begin my student loan repayment. That was the agreement when I signed on, and in all fairness and good business practices, it should still be the state of the situation. 

Please tell me what I can do to protect myself.
Product: Debt collection

KIKOFF LENDING LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has been sending me notices in the amount of {$21.00}. The account has been reported as past due balance. I do not know this company, nor have I ever done any business with this company. This company does not have a contact with my signature.
Product: Debt collection

I called XXXX XXXX about the threatening legal action letter that was sent to me.The representative was not being cooperative and i asked them to verify the debt and not to contact me again with threatening letters!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( 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. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

On XX/XX/2020 and numerous other occasions, PNC Bank has aggressively charged our business checking account overdraft fees of {$72.00} on XX/XX/2020, when as of XXXX yesterday XX/XX/2020 our account balance was {$8.00}, and we were charged the 2 overdraft fees this morning, yet there were no transactions that should have made the account go under the {$8.00}. PNC has done this on a continuous basis, and it seems that if the account balance is low, their computer systems are programmed to aggressively set up the opportunity to charge the overdraft fees. We have been charge upwards of {$1000.00} in overdraft fees, and we feel at this point it is because of their system. I reached out to retail escalation rep XXXX XXXX, who has offered to give some of previous funds back, but has failed to do so. At this point we are going to terminate our business relationship with PNC and are searching for an attorney to look into this matter.
Product: Checking or savings account

Citibank abruptly locked my checking account with a balance of {$1500.00} allegedly because of fraudulent activity. I did not request them to make a debit card nor have I ordered checks for the account, so the only access to the account is either in-person at a branch ( I live in XXXX, and there are no branches in the entire city ) or through online means such as XXXX, XXXX, XXXX XXXX  XXXX. So far, I have only used the account for deposits from my XXXX sales and withdrawals to my XXXX investment account. No other charges have been attempted on the account. No fraudulent attempts to access my account have been revealed and every transaction has been verified by me as valid. When contacting Citibank, they would not give me a way to remedy the situation but instead always claim they are elevating the case and it should be resolved in 24 hours. I was told that 8 days in a row by their support staff. This is a XXXX situation for my funds without remedy, and I have already suffered fees from rejected ACH and lost opportunity from purchasing inventory.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX home equity loan was refinanced by XXXX XXXX. XXXX XXXX sent XXXX Home Equity a payoff check which they cashed, but never applied to my loan. I was stuck paying 2 home equity loans for months. I tried multiple times to get this resolved and escalated with both companies to no avail. XXXX XXXX finally had to reissue the check and send it again to XXXX. The check was received in XX/XX/XXXX and loan payoff was backdated to the original payoff date of XX/XX/XXXX. All monthly payments that were drafted from XX/XX/XXXX through XX/XX/XXXX were returned to me by XXXX. However, XXXX reported me 120+ days past due on my credit report in XX/XX/XXXX due to all of this. I was never late on any payments as they were auto debited from my account. I was even making two HE payments while all of this was resolved by the financial institutions. This prevented my husband and I from purchasing a home at the time because we couldn't get the title sorted out.
Product: Credit card or prepaid card

on XX/XX/18. tried to buy a transmission from a company. transaction was ran. XXXX through XXXX credit card. on XX/XX/18 all money was refunded. XXXX back to my bank. and XXXX to XXXX  who still has not posted the refund and has continued to charge XXXX interest on said purchase as well. my bank had the refund posted the next day. first contacted XXXX a week after refund asking why its not refunded. was told refunds don't post for 45 days. great way to maximize their collected interest. so I waited that out. then asked and they still claim it was never sent. when it was. I have provided about 5 emails since including me and the company sending them the document 's they asked for and still no refund of the XXXX at this point I honestly feel this is a complete scam of a company. wont return items. charge a yearly fee of XXXX and a monthly fee of XXXX just to have their credit card. I want my refund plus all interest occurred credited back to my account.
Product: Debt collection

While in the process of resolving past tax issues with the Internal Revenue Service, I was notified that a past IRS Collection effort was sent to a collection agency on XX/XX/XXXX. On XX/XX/XXXX, I was provided the name of the collection agency. I sent a request to CBE Group on XX/XX/XXXX. With no response or attempted response from CBE Group, I sent a follow-up message to to XXXX XXXX XXXX President & CEO of CBE Group XXXX XX/XX/XXXX. I understand that it has only been a few days but still no response. Until I am able to receive this documentation from CBE Group I am unable to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 17 accounts on my credit report that do not belong to me now I started my dispute back in XXXX of XXXX when I pulled my report and saw this disaster I got on the phone with the bureaus and they wanted me to send out a written dispute since there was so many accounts. I have received nothing back from the bureaus regarding this matter this is identity theft and I will fight this. 

XXXX XXXX - Acct # XXXX Amt {$680.00} XXXX BANK XXXX - Acct # XXXXAmt {$1900.00} XXXX XXXX- Acct # XXXXAmt {$980.00} XXXX XXXX Acct # XXXXAmt {$1500.00} XXXX XXXX CARD SER - Acct # XXXXAmt {$1000.00} XXXX XXXX- Acct # XXXXAmt {$920.00} XXXX XXXX- Acct # XXXXAmt {$24000.00} XXXX XXXX-Acct # XXXXAmt {$0.00} XXXX- Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXXAmt {$140.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$1400.00} XXXX XXXX XXXX Acct # XXXX-XXXXAmt {$690.00} XXXX XXXX XXXX- Acct # XXXX-XXXXAmt {$1000.00} XXXX  XXXX XXXX- Acct # XXXX-XXXXAmt {$990.00} XXXX XXXX XXXX- Acct # XXXX-XXXXAmt {$1000.00} Inquiries Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I have seen unauthorized items on my credit report that I did not authorize this is a form of identity theft someone is applying for things in my name can you please resolve this issue. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 CREDIT TECH XX/XX/2020 XXXX  XX/XX/2020
Product: Money transfer, virtual currency, or money service

Unable to connect bank info to XXXX XXXX XXXX app
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing errors. These late payments are inconsistent with my usual payment habits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been calling transunion and XXXX for a year now to try and get this inquiries off my credit. All these inquiries on there I have no idea.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.