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

On XX/XX/year>, I opened a Truist checking account using the promotional offer in the PDF attached to this complaint. In summary, Truist offers a {$400.00} sign-up bonus for opening a new Truist Checking account if the following conditions are met ( quoted ) : Receive at least XXXX qualifying Direct Deposit* of {$500.00} or more AND Complete at least XXXX qualifying debit card purchases** within XXXX  days of account opening. All debit purchases must be posted to your account to qualify. 

I completed the XXXX required transactions within the XXXX  day period, which ended XX/XX/year>. Attached to this complaint is an exported excel spreadsheet directly from Truist 's online banking website. " XXXX XXXX '' is XXXX of the exported fields for each transaction, which I have filtered to include only XXXX transactions. There are XXXX total XXXX  transactions, designated specifically as XXXX  transactions by Truist. 

On XX/XX/year>, I reached out to Truist support to let them know that I had received an email stating I did not meet the requirements of the sign-up offer. The transcript of the conversation is attached to this complaint. While it had registered I completed the required direct deposits, the system did not register that I had completed the required number of qualifying XXXX transactions and therefore I did not receive the award. I asked why, despite Truist designating XXXX transactions as XXXX itself, that I did not receive the offer. The representative was not able to answer my question and informed me she would send my information in an appeal form. It has been over a month and I have not received any update regarding my appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to request the immediate removal of the fraudulent accounts and information you report on my XXXX XXXX. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Federal Reference # : XXXX XXXX XXXXXX/XX/2022. I have read that under the Fair Credit Reporting Act section XXXX, you are required by law to remove any accounts and information that resulted due to identity theft. If you believe that the disputed items belong to me, please send me copies of proof of ownership and proof of verification from your investigation. If you can not provide me these documents, please remove the disputed items off my XXXX XXXX at the earliest possible time.
Product: Debt collection

I XXXX XXXX have made several comunnication with LVNV FUNDING LLC in referecne to collect a debt that is not owed. SEE ATTACHMENTS
Product: Credit reporting or other personal consumer reports

When reviewing my credit report in XXXX 2024, I noticed a synchrony bank account on it that I never opened. It was a huge amount ( close to $ XXXX ) that I was shocked to see as I hadnt opened it and had never seen information about it. I never received statements, emails, calls, anything. 

I have filed police reports ( locally and with the FTC ), frozen my credit, and contacted all XXXX credit bureaus. Synchrony still wont accept that the account is fraudulent and wont provide information about the opening of the account ( including signature pages ) or proof that the statements were sent to me. I do know that that synchrony claims I made payments from a bank in XXXX, XXXX, a place I have never been and to which I have no connection. Synchrony will not send information about the bank the payments were made from. It wont provide signatures used to open the account. It wont provide merchant information about what was purchased to create a $ XXXX bill. It wont give any information despite my many requests for such information. 

I did not open this account, know of its existence before I saw it on my credit report, use the account or make payments on the account. Ive been disputing it since the day I discovered it. I dont know what else to do. Synchrony wont answer my questions or remove it from my report. Please help.
Product: Credit card or prepaid card

I received a new Bank of America XXXX XXXX Credit Card and I set up autopay on my account for XX/XX/XXXX. Despite this, Bank of America did not process the autopayment on XX/XX/XXXX. As a result, i was charged a {$29.00} late fee and roughly {$16.00} in interest. When I called, they said it can take 1-2 billing cycles for the autopay to process. They finally agreed to waive the fees but only after I asked, but I still had to call and wait on hold for 16 minutes, and I had to make a payment immediately, which included the fees and interest. Now I will have to wait until the next cycle to receive the waived interest and fee amount. No other credit card I have takes such a long time to set up autopay. This is unacceptable and is clearly being done to trick consumers to get extra fees and interest out of them.
Product: Checking or savings account

I deposited 2 checks in my Santander bank account on XX/XX/2024. 
One check in the amount of {$4100.00} and one in the amount of {$3300.00}. 

The bank then proceeded to freeze my account and all monies in the account, including funds unrelated to the deposit. 

Ive called the bank multiple times, to get a statement *in writing* of what documentation I will need to provide in order to get the funds released, however they have refused to provide such information, instead giving me conflicting information each time Ive called .
Product: Credit reporting or other personal consumer reports

There are driving records that are not mine. I wasnt able to get my license until XX/XX/year>. There is an eviction or a judgment not an eviction on my background of property damage not mine never did I live anywhere that was destroyed. I never hit a property in a car accident. I was never in a car accident as an adult, and none of these incidents were their ID given, nor was their court dates. Its like there was judgments for these people that got in trouble and use my name but never arrested or convicted. Maybe given a court date an never showed because they couldnt prove they were me. Or maybe did use my ID or social without ID a medical card I dont know but it wasnt me. I cant work certain jobs, I cant get places to live & Im having a hard time building credit an it scares me now. But I have to get a safe place for my children an myself. The only places IVE ever lived was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( which I was robbed at XXXX ) and XXXX XXXX in XXXX a where I live now which is XXXX XXXX XXXX in XXXX. My ex or the woman XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX most likely did it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX an if you XXXX MY NAME YOU WILL SEE IT!! So anything criminal or driving situations or property damage anything IS NOT ME!! Im a XXXX XXXXXXXX an a mother!! I need a new house an Im trying to buy plus I need a new car now an my credit reportings hinder me from everything and its not fair nor right yall should confirm over video and in person before you put something on someones credit its not right and Im fighting us and Im about to get a lawyer cause Im tired of not being able to live my life, but all these false information reportings on my background!!!! XXXX XXXX IS NOT ANYTHING THIS REPORTERS ARE REPORTING!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I am, the consumer in fact, natural person, original creditor, lender. 

Fact, Chapter 41, Title 15 of the U.S. Code and the Gramm-Leach Bliley Act are intended to secure my right to privacy. My privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, XXXX XXXX and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof pursuant to the attachment labeled as Exhibit A and 15 USC 1681, Equifax is an elaborate mechanism and has no affiliation with the US government . Equifax has not been fair and has disrespected my right as a consumer to privacy.

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Equifax violated 15 USC 6802 as no financial institution may disclose nonpublic personal information to a nonaffiliated third party ( Equifax ). Equifax is a nonaffiliated third party and may not disclose my nonpublic personal information on any consumer report nor to any of its affiliates including but not limited to The Work Number and XXXX XXXX. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit B, Equifax violated 15 USC 1681c-2 after I mailed them an identity theft report and supporting documents which served as proof that the accounts listed in the report were a result of identity theft.

Fact, affiant is aware and has proof pursuant to 15 USC 1681h, Equifax has not under the condition of making disclosures, required me to furnish proper identification, provide written or any other disclosure.

Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 1681b, Equifax may not furnish a consumer report without written instructions from me, the consumer. As the consumer who was violated, I am requesting all inquiries and the following fraudulent accounts listed below be removed from my consumer report within 14 days of receipt of this affidavit : 1. Dept of EdXXXXall accounts XXXX XXXXall 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 I am also requesting the following fraudulent inquires be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. Equifax Mortgage Services
Product: Credit card or prepaid card

I have been trying to get a replacement card for my unemployment benefits since XX/XX/2020 and I haven't been able to contact no one my bills are over due and I'm about to be kicked out of my place because I am behind on rent. To whom it may concern can you please over night me a replacement unemployment card so I can pay my bills My name is XXXX XXXX address is XXXX XXXX XXXX XXXX Louisiana XXXXThank you and may God bless you and your Staff
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen from XXXX XXXX also from another institution about 5 years ago. Transunion reported XXXX  phone said i owe {$210.00} for phone service. I have been with XXXXXXXX XXXX phone service for XXXX years. I found out about this through credit monitoring service i was supplied by the XXXX for free because my identity was stolen i didn't open this account, I don't know the phone number or account number. I have great credit almost XXXX. This reported dragged my credit down about XXXX points. Please help me get my credit restored. Trans union will not help. I filled 3 disputes. Also the collection company will not return my call.
Product: Credit card or prepaid card

Sear Gold Cred it Card Report shows account was closed in   XX/XX/XXXX  and date of 1st delinquency was  XX/XX/XXXX  I did tried to resolved this for lower monthly payments and or settle it for lower balance but was denied! Customer Serv ice representatives were very rude and threatened me with a charged off to ruined my credit.
Product: Debt collection

My ex spouse forwarded a message left for her, about a court case I failed to appear to that does not exist. I have one current debt for around {$600.00} that the hospital charged off after receiving over {$280000.00}. I was making monthly payments to the hospital online because I am XXXX and unable to make the payment in full. Payments stopped because the hospital changed systems and I was unable to log in to their new system and spent hours on hold, waiting for a representative. The hospital 's billing department did not return my call after I left my number for a call back on multiple occasions. I did not have access to the patient account number and never received any notification from the hospital that the debt was being sent to collections. 
For this company to call others about a debt and not contact me about this matter ( fake court case ) seems to be harassment. The number they left is XXXX and I believe it is from XXXXrris & Harris Limited or XXXX.
Product: Debt collection

They called me and I have no idea who these people are. I looked it up and they are listed as scammers company name Capital Management services LP
Product: Credit reporting or other personal consumer reports

You violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated.

The following items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

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: Debt collection

I am having a issue with bill me later through PayPal. I was under the impression I was paying with my debit card. I somehow signed up for PayPal bill me later. I don't recall agreeing to this service. And to be honest my credit is poor so I wouldn't of even tried to get credit like that.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian. 

Please delete the following accounts : XXXX XXXX XXXX Michigan Docket # XXXX XXXX XXXX XXXX Bank Acct Number XXXX, bal. {$550.00} XXXX XXXXXXXX XXXX XXXX Acct XXXX XXXX, XXXX. {$2500.00} XXXX XXXX Bank Acct Number XXXX, bal. {$520.00} XXXX XXXX Acct Number XXXX, XXXX. {$160.00} DEPT OF EDXXXX Acct Number XXXX, bal. {$2000.00} DEPT OF EDXXXX Acct Number XXXX, bal. {$6800.00} DEPT OF EDXXXX Acct Number XXXX, bal. {$1500.00} DEPT OF EDXXXX  Acct Number XXXX, bal. {$510.00} DEPT OF EDXXXX Acct Number XXXX, bal. {$2900.00} DEPT OF EDXXXX Acct Number XXXX, bal. {$1500.00} DEPT OF EDXXXX Acct Number XXXX, bal. {$4600.00} DEPT OF EDXXXX Acct Number XXXX, XXXX. {$1900.00} DEPT OF EDXXXX Acct XXXX XXXX, bal. {$4200.00} DEPT OF EDXXXX Acct Number XXXX, bal. {$9300.00} DEPT OF ED/XXXX Acct XXXX XXXX, XXXX. {$5600.00} DEPT OF EDXXXX Acct Number XXXX, bal. {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX wont remove the fraudulent items off my report
Product: Debt collection

KAB also known as Knights Adjustment Bureau has been informed to cease and desist contacting my telephone and to send correspondence only by mail, yet have reached out to me after being informed they would received an affidavit with a follow letter by certified mail with GREEN reciept of the police report. The XXXX has to finish the identity theft investigation after all fraud and identity theft investigations have been completed as instructed by the detective working on the case. KAB has failed to respect under federal law the " Fraud victim Bills of Rights '' which they have obviously failed to comply to so far. I informed KAB recently that I would get the CFPB involved since they feel they are above the Law in this matter.
Product: Money transfer, virtual currency, or money service

A scammer impersonated Chime customer service after putting a fake number for Chime online. They had me push buttons, then writr a confirmation number while they took over and took {$2700.00} from my account. I called Chime and they wouldn't investigate it or give me his info or anything at all. I'm closing my account as soon as I can. 
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Product: Debt collection

To start off the actions that were available were not the correct actions I need. 

This is more about reporting the wrong information on my credit report. 

I spoke with XXXX in XXXX about making payments on my XXXX XXXX at the XXXX account for XXXX. We agreed that my first payment of {$40.00} will process on XX/XX/XXXX and the monthly payments of {$50.00} will be paid on the XXXX of every month. I check my credit report and it says in XXXX and XXXX I paid late. It does not show that I paid in XXXX or XXXX. If I am supposed to pay the XXXX of each month, how am I late in XXXX when the XXXX has not come yet. And when I log into my account I see the wrong dates of payment- they said I paid {$41.00} on XX/XX/XXXX and {$50.00} on XX/XX/XXXX ; when I paid {$41.00} on the XXXX of XXXX and on the XXXX of XXXX I paid XXXX. They are reporting the wrong information to my credit report and it is making a negative impact on my score. 

I need them to correct the right payments dates in my account and correct the failed to pay negative remarks removed from my credit report.
Product: Checking or savings account

I feel over the years I have been charged fees for NSF incorrectly.
Product: Mortgage

I had a joint Mortgage and got divorce The balance due on the mortgage secured by the land and building given the ex wife this is the " court order '' This happens XX/XX/2009. Now shows on the XXXX and experience credit report shows XXXX days let payment. This account belong to my ex wife. has to be remove negative item.
Product: Debt collection

As of XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX for a XXXX XXXX  my doctor XXXX XXXX, wanted me to do. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX wanted me to do. 
When the result come back almost everything was abnormal on the XXXX XXXX. I contacted a doctor who told mw to go to XXXX. At XXXX  they made new XXXX XXXX XXXX XXXX and everything come out normal. This was 2 days after I receive my test. It cost me money and time. I notice the XXXX  did not put a name tag on the tubes. She was the only one working in the office. 
I do not want to pay for a XXXX XXXX who was not mine. I have only received statement from XXXX XXXX before I received the collection note in the mail. 
I can send the 2 different XXXX XXXX  if you need. 
The first attachment is the wrong/mixed up XXXX XXXX 
The others is from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Best regards, XXXX XXXX
Product: Checking or savings account

This company has scammed me for insufficient funds 3 times this year. The first time I spoke to 4-5 different people to get it refunded and they sent me back the XXXX. It happened again, but I didnt wan na go through the hassle of dealing with them again so I let it go, this was in XXXX. This time they are telling me, a XXXX  was sent on Monday ( XX/XX/XXXX ) which there is no record of on my end in the bank of america app for XXXX that was declined. I have over draft protection so I switched the card on my XXXX  on Saturday ( XX/XX/XXXX ) and put the transaction through on another account. Today which is Tuesday ( XX/XX/XXXX ), I get an email from Bank Of America that says, you may have insufficient fundsI was shocked to look at my account and they charged me XXXX for something that declined. I called spoke w/ a rep who couldnt help me, who told me she saw a XXXX XXXX transaction, got to a supervisor whos name was XXXX he told me he didnt see a XXXX XXXX transaction and placed me on hold to look into the matterhe hung up the phone. Called back waited on the phone for over an hour, spoke with another supervisor ( XXXX ) who told me that overdraft protection would stop this from happening, I told her that I had over draft protectionshe became quiet and said well the charge cant be reversedstill no resolutionshe transferred me to XXXX who talked over me the entire time and now is adding rules to what the prior rep statedshe told me that in order for overdraft protection to work on this type of account is if I have a savings account to Again, how is anyone supposed to know about this or their insufficient funds fee when you think you have overdraft protectionTHEY DECLINED THE TRANSACTION AND EVERYTHING SO THIS IS ONLY TO BENEFIT THEIR COMPANY BECAUSE Im being penalized for money that I never evn spent. This company is terrible. Ill make sure that no one banks with them EVER.
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below PNC BANK XXXX