23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; TRUIST XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX/Reported : XXXX # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # 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 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: Checking or savings account

XXXX XX/XX/2022, This complaint is against Truist Bank. It may seem like it's to many complaints against XXXX bank. But I have learned with dealing with certain financial institutions if I delay my complaints. The first question is asked by everyone. Why did you let it go on so long? I used Truist Bank. to pay XXXX XXXX to pay my mortgage this part is significant because I'm claiming that Truist Bank held my mortgage payment until they received their car loan payment so they delayed my check to the mortgage company. That's the main part of my complaint. I try to put in an email text with questions at the time I was frustrated but they only want to communicate on the phone and make me seem XXXX and XXXX for no reason because the time I get past their arbitration they are hoping I look and sound like a XXXX man. There needs to be a record, they are trying to keep things in-house like I am an employee, but that is not the relationship we have. I say it like this we have a partnership, the bank makes money off my money and they don't give me a paycheck. Complaint : I am accusing Truist Bank of holding back my mortgage payment of XXXX to XXXX XXXX payment for {$320.00} payment for the carnote. I would like answers to that. The check should have reached XXXX XXXX on XXXX XX/XX/2022 but did until they got their money on XXXX XX/XX/2022. And is it legal that they want everything on the phone, their people talked to with me having no defense? 
PS : I can't even send an email to them.
Product: Debt collection

To be clear, in no way have I initiated or authorized these accounts. Without my knowledge or agreement, these accounts were opened fraudulently. In order to resolve this matter, I have taken the required actions to notify the appropriate authorities of the alleged identity theft, including submitting a report to the Federal Trade Commission and the [ Name of Local Law Enforcement Agency ]. For your information, I've also included a copy of the Identity Theft Report that was submitted to the FTC.

Since these accounts are not the result of any transactions or credit applications I have made, I respectfully ask that you look into the authenticity of these accounts and take the necessary steps to have them removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I humbly request that you acknowledge your commitment to looking into these accounts and send me a thorough written response as soon as you can. Please remember to include the following in your response XXXXerification that you've started looking into these accounts copies of all supporting documentation and material pertaining to these accounts, including the application a signed declaration attesting to the fact that these accounts will be deleted from my credit record after your investigation is finished.

I recognize that this is a significant issue, and I implore you to take immediate action to make things right. I may have to take additional legal action to defend my rights and creditworthiness if I don't participate in getting this situation resolved.
Product: Mortgage

issues for years : Problem now will not show me how last payment posted always some kind of fees to make my 'Unapplied balance '' disappear. 
, I think at some point converted loan type from original XXXX, convention fixed rate to interest bearing loan '' done by servicers. that is why money is not correct, balance not going down.
Product: Credit reporting or other personal consumer reports

Subject : Late payment Account # XXXX XXXX XXXX ; Account # XXXX I am writing to formally dispute a late payment entry on my credit report, which I believe is incorrect. Upon reviewing my credit report, I noticed that [ Auto Loan Account # XXXX ] reflects a late payment for the period of [ XX/XX/year> ], under account number [ Account Number XXXX ]. 

I respectfully request that you review and investigate this matter, as I believe this entry is inaccurate. [ Include any details about why you believe the payment was made on time, such as receipts, bank statements, or account records. ] Under 15 U.S. Code 1681e B- Compliance procedures It states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to my records, the payment for the aforementioned period was made on [ XX/XX/year> ] via [ cash deposit ] and was processed without delay. If there was any delay, I kindly request further clarification or supporting evidence from the creditor regarding this claim.

Please update my credit report accordingly by removing this inaccurate late payment entry, as it does not reflect the true status of my account.

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed unauthorized accounts with Experian on several occasions. I have been submitting disputes asking for validation since XX/XX/XXXX. I started my most recents dispute this year. I submitted a dispute on XX/XX/XXXX regarding my accounts and I received the dispute update the next day saying most of the accounts have been verified. I received the final results on XX/XX/XXXX. I resubmitted another dispute involving the same accounts on XX/XX/XXXX and I receive the results back XX/XX/XXXX saying the accounts had been verified. I resubmitted the disputes on XX/XX/XXXX and received the verified results on XX/XX/XXXX. I submitted my last dispute attempt on XX/XX/XXXX at approximately XXXX XXXX and I received my results at approximately XXXX XXXX. They are not completing the investigation throughly within that timeframe. At the point, I contacted Experian and asked whats being used to verify these accounts and the rep hung up in my face. These accounts have been removed from my other credit reports so I need to know why Experian is constantly reporting these accounts as accurate. According to the FCRA rules, 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be INVESTIGATED and if you do not investigate and respond the CRA must delete the disputed information from its files. That fact that Ive been receiving my results back under 24 hours, one can assume that their was no investigation in that matter. I am submitting his complaint due to the lack investigation into my original dispute with Experian. I did not authorize those accounts. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violations 15 USC1692 Sharing of Personal Information ( 10 ) 15 USC 1666b ( a ) Timing of Late Payments ( 15 ) 15 USC 1681b2 Right To Privacy ( 12 ) My Consumer Credit report is not fair and equitable, I cited the inaccuracies 15 USC 1681 ( a ) and explained how my report is full of errors and they did not exercise their grave responsibility with fairness. 15 USC 1681b ( 2 ) My right to privacy is constantly being violated by Transunion by reporting inaccurate information, not properly investigation and not responding to correspondence that were sent concerning this matter at hand.did not properly Re-investigate accounts listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act account # has violated my rights. 


Account name : cXXXX XXXX XXXX XXXX XXXX 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 section 604 ( a ) ( 5 ) section states : No consumer reporting agency may take any consumer report containing any of the following items of information of any adverse item of information, other than record of convictions of crimes which antendates the report by more then seven years 15 u.s.c 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer repoting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I sold my house XX/XX/24 and I have my credit drop XXXX points due to mortgage saying they never got the loan and etc.
Product: Debt collection

On XXXX/XXXX/2017 I received my monthly statement from Navient student loan servicing. A late charge was noted for {$.00} and noted as an unpaid amount for {$.00}. I knew this was incorrect because I pay more than the amount due each month and also never have been late on a student loan bill before. My student loan debt is taken very serious as a Nebraska bar applicant and XXXX XXXX holder. My account number is XXXX I called the number for customer service and spoke to a woman who called herself XXXX, her ID # is XXXX at around XXXX XXXX/XXXX/2017 where I was told the call was monitored for compliance, she told me after telling me I could not speak to a manager because call volume was too heavy. When I insisted on a manager she put me on hold and made me wait then asked if I still wanted a manager and then she was advised in how she was instructed to respond to my query. She told me this was a fee from a previous servicer that appeared on my bill that it could be corrected because it should not have been charged as I am on the income based repayment and have been with them at Navient who has been servicing this loan for over 2 years on the same plan. I asked her if this is not considered illegal collection practice and did she know this is a UDAAP. She said, " yes it is. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give written permission to have my credit check XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I was informed that my vehicle was out for repossession. It came to my attention that my loan ( originally through Suntrust ) was now owned by Truist and that my payments had stopped auto drafting.

I was told to send a transfer in the amount of {$2000.00} for next day and did so, confirmed by my bank. 

On XX/XX/XXXX, my vehicle was repossessed. I did not find this out until XX/XX/XXXX when I returned back from a trip. 

When I called Truist bank, they told me that I was still 100+ days late on payment and that they could not find my payment. 

I provided them with trace numbers and various other details confirming my payment, however, they refuse to release my vehicle to me until their research team is able to locate and post my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching personal information, XXXX account and inquiries that are fraudulently reported on my credit report. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was charged overdraft fees on the XXXX for transactions that posted on the XXXX but back posted to the XXXX. On XX/XX/year> I made purchases XXXX for {$110.00} and the other for {$5.00} on XX/XX/XXXX the transaction had not posted they were still showing as pending which puts a hold on the funds. On XX/XX/XXXX I had a positive account balance of {$3.00} then on XX/XX/XXXX at XXXX I get a text notification that the transaction has posted along with XXXX overdraft fees leaving my account in the negative XXXX of the {$77.00} {$72.00} is overdraft fees $ XXXX. I reached out to Truist on several occasion trying to see why had the transactions and overdraft fees posted simultaneously and why didnt I have a window of time to deposit the funds into my account before being charged a overdraft fees all to no avail. I was told I couldnt speak with anyone else about overdraft fees and that was the end of about an XXXX call. XXXX of XXXX calls all over an hour
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits. I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. Equifax have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX XXXX BANK, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, this is a formal complaint against the INCONSISTENT & INACCURATE reporting of Fed Loan Servicing of my payment status! Fed Loan continues to report that my accounts " CURRENT payment status '' is LATE on XXXX & XXXX. Fed Loan is also reporting that my account is currently over " 180 days past due '' as remarks on my XXXX & XXXX personal credit reports. On XXXX, the payment status is " TRANSFERRED '' & there are no remarks as to the account being late. They are required by law to report 100 % accurate information but how accurate can the reporting be if there are inconsistencies. Their failure to accurately report my information is hindering me from obtaining financing from my business. I have sent numerous request to have this information corrected and continue to receive a soliloquy that does not address the LATE PAYMENT STATUS REPORTING. This is not disputing the payment history when they were servicing the loan. This is simply disputing the fact that they are reporting the " CURRENT PAYMENT STATUS AS LATE '' How can {$0.00} currently be LATE. It 's {$0.00}. Fed Loan have proved unwilling to correct their mistakes on these closed accounts. I am formerly requesting that this information be forwarded to the Senior President XXXX XXXX of Fed Loan Servicing for a thorough investigations ASAP since Vice President XXXX XXXX is reluctant to properly correct the INCONSISTENCIES & INACCURACIES across XXXX, XXXX & XXXX. The finger pointing has to cease and Fed Loan needs to hold itself accountable for the information they are reporting or i will be taking legal action. I have submitted a complete copy of my 40 plus page credit report where the inconsistencies are clearly outlined. The credit bureaus are claiming that they are only reporting what is provided by Fed Loan and Fed Loan is claiming that they are only reporting what is indicated on my correct report from XXXX. Well ... which one is it? If there is NO PAST DUE AMOUNT REPORTED, how can it be 120 DAYS PAST DUE??? WHAT is 120 days PAST DUE??? XXXX DOLLARS? Once again, this is not in regards to the historical payment history, this is in regards to the " CURRENT payment status '' being reported as LATE on XXXX & XXXX and over 120 days past due.
Product: Money transfer, virtual currency, or money service

I have an account with Paypal and the email address for the account is XXXX On XX/XX/2020, I was surprised that the company took an amount of {$1100.00} from my account, claiming that this amount was due to the damages I suffered from my violation of the use agreement, while there was no dispute between me and anyone who transferred money to my benefit.But Paypal seized the money claiming that I violated the usage agreement while he did not raise any dispute that was adjudicated against me until it is proven that I violated the usage agreement. 

PayPal will claim that my account follows the PayPal Pte facility. Ltd. is the owner of the stored value facility PayPal, and does not require approval from the XXXX XXXX XXXX XXXX. It is affiliated with Singaporean law and is not affiliated with PayPal, which is based in XXXX. 

This is very misleading and Paypal uses it for XXXX reasons : First : Paypal did not obtain a permit from the XXXX XXXX XXXX to operate and a screenshot attached to a letter from the XXXX XXXX XXXX XXXX stating that PayPal is not registered with them. 

Second : The main PayPal site, which we deal with and through which the funds were taken, is owned by Paypal, which is based in XXXX, in the state of California - and it is known that the headquarters of Paypal in the state of California, and then PayPal site is a partner in the process of seizing money Therefore, PayPal does not have a permit or is registered in XXXX according to the Singaporean Monetary Law, and what PayPal publishes on its official website is misleading for clients that legal action must be taken against it. 

Second : The PayPal website, which is the interface for dealing with clients, belongs to Paypal, whose headquarters are in XXXX, and is therefore subject to XXXX law The XXXX XXXX XXXX must stand up for PayPal for wrongdoing what it does against customers.
Product: Money transfer, virtual currency, or money service

Over two years ago I put money into FTX.US, a crypto exchange site. 

The amount put in was {$10000.00}. 

Some money was put into bitcoins, etc. 

Over {$9000.00} remained in their interest-bearing money market that exceeded the yield elsewhere. 

It had additional security through the 'XXXX XXXXXXXX ' app. 

The app ( XXXX ) stopped working and I immediately notified FTX.US about one hundred times or more. 

These communications were through their site only. No other way to make contact. 

Two years, or more, later I still can not access my account, nor do I know if my XXXX money is gone or if my crypto is gone. 

Please, investigate this. This money is most important to me now. 

Thank you very much, XXXX XXXX
Product: Prepaid card

I still have not received a prepaid XXXX card for Unemployment insurance. I was approved for payment in XXXX in XXXX. I have a letter from XXXX that says I am approved for benefits.
Product: Credit card

I have a credit card account with AT & T Universal. ( CITI ). My interest rate was raised to 16.9 %, I was told by an account rep. that it was raised because my daughter 's student loan, which I co-signed for, was late in payments. I have subsequently taken over her payments to ensure it does not affect me again. I have paid off all my credit cards, except this one. My FICA score increased to XXXX. I contacted AT & T Universal ( CITI ) to see about reducing the interest rate. I was told " its not that type of card, its revolving, ca n't help ''. It strikes me that if my interest rate can be raised for a co-signed loan, but not lowered with an increased score, the credit card company can do anything they want.I do n't think that 's fair.
Product: Credit card or prepaid card

I have 3 different credit cards with American Express. One account is my personal, 2 others are business cards. I have made all my payments on time. Have never missed any payments. The last 2 months, American Express contacts me 3 weeks prior to my due date asking for the payment and putting a hold on my account so I would not be able to use them unless I pay my upcoming payment 3 weeks in advance. My accounts have no balance limit. Non of this is in my customer agreement with American Express. I have advised them about this issue and basically they had no answer for me. It is not legal to ask for a payment 3 weeks in advance and not allow me to use my card. They also do not care if I close my account. I wouldve never thought American express would do that to its long loyal customer.
Product: Debt collection

I don't even know this company. I have no idea why this is on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit and discovered unauthorized hard inquiries that I have no knowledge of from the following companies XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX Television & Radio Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX Sales Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CAPITAL ONE Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Prepaid card

XXXX XXXX XXXX, I had used this card for multiple purchases at the XXXX XXXX XXXX in XXXX XXXX including XXXX XXXX XXXX XXXX I tried using it online and it does not work in any store, whilst the card had claimed it was usable online. They had lied and I am not able to make any online purchases. I had looked online and seen multiple people had the same issues as me. I had not called the service because I had already activated my account, and multiple people online had stated they would have to wait hours to get into contact with an AMEX employee. On top of that, a lot of people said they were very disrespectful, would blame the merchant, or hang up on them. I want a check of what is left on my card so I can actually spend what is on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency refused to show proof this debt belong to me. Also refused to investigate the account properly according to fcra. The account XXXX XXXX XXXX need to be investigated properly