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

On XXXX XX/XX/year> I opened a checking account at a truist location and deposited a check from refund advantage for the amount of {$1400.00}. Which was from the IRS also known as my income tax refund. The check was accepted and my account was opened 2 days later I was not able to log into the account I went into the bank I was told my account was closed due to fraudulent activity which was odd because I didnt commit any fraud that was all they told me. I was also told the account would be closed and when that happens I can come into the bank to either collect my funds or it will be mailed to me. Ever since then its been an uphill battle because none at truist bank have contacted me nor want to tell me what is happening the account was fully closed and the funds were moved somewhere else. Ive recieved little to no explain I keeps getting tells an investigation is going on even though the check have been cleared so they have been holding my funds for almost 2 months now. I do not know how else to get my money from this bank which I do not owe any money to neither truist nor any bank that is with truist. The letter attached shows the closure of the account but no mention on why no when they will be sending my balance to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity fraud. I submitted my documentation and police report indicating the accounts on my credit profile was not mine. Transunion deleted a collection XXXX XXXX XXXX and a Bankruptcy that is not mine. 

XXXX XXXX XXXX was deleted. Without notification from Transunion, I was notify that the account was going back on to my account.
Product: Mortgage

I paid my mortgage on time through the XXXX bill pay service, and have a history of paying it on XXXX or XXXX of the month for 6 months with Carrington, without any issues. However, in XXXX, I scheduled my payment for the XXXX and Carrington attached a late fee saying the payment was received after the XXXX. I checked with XXXX and verified the payment was delivered on time, with my financial institution. However, Carrington did not process the payment until XXXX XXXX. On XXXX XXXX, I faxed a copy of the check reflecting delivery date and payment on time, along with a letter to Carrington, asking them to waive the late fee since payment was received on time. They held the money and processed the check, which is no fault of mine. In XXXX, I received XXXX nasty notes, collection and a late fee notice of XXXX from Carrington. I called and spoke with their rude representative, XXXX ( # XXXX ) and asked for resolution. I asked to speak with her supervisor and she told me I could not. She only gave me his # XXXX, but would not give me a name. She said she could not provide resolution and she now needed copies of my bank statement, which I refused to send her and let her know. This has to be a violation of some financial rule or regulation to safeguard consumers. Why would they need my banking statement with my PII information. I informed them that I filed a complaint with CFPB and today followed up with their consumer advocate department ( XXXX ). I am seeking resolution and the late fee and any implications waived.
Product: Mortgage

I've been working on a mortgage assistance application for several months with Ocwen, XXXX XXXX and PHH Mortgage I've submitted financial and requested documents several times since XX/XX/2019. The mortgage has been transferred from servicer to servicer. Customer Service always states the request is being processed when I call but the mortgage assistance request is never finalized. My request has been in processing with several Relationship Managers as well. I don't want another property foreclosure sale date set for my home. I want to keep my home. My employment has been affected by Covid - 19 also. PHH is difficult to work with and customer service is difficult. 
Please assist me with the finalization of my mortgage assistance request.
Product: Debt collection

Messages were left on my unlisted home telephone and on my cell phone number. The message also indicated that my place of employment would be contacted and that I would be served with a subpoena in my local county ref : Case number XXXX. Upon receipt of the message I returned the call that was listed in the call log rather than the number indicated in the message ( ) and spoke with XXXX XXXX and XXXX XXXX. XXXX XXXX proceeded to lecture me with regard to what he felt that I had done which rendered this cause of action. He refused to provide me with a physical address to respond to the complaint and indicated that I should visit the online website and make a payment on a payday loan from 2006. He transferred the call to XXXX XXXX who indicated that she knew my place of employment and did so by naming the place of business where I am currently working. She also indicated that she would neither provide me a physical address nor an email and would instead indicate my refusal to comply with the company 's request for payments. I do not owe any money to the creditor nor do I deserve to be harassed by them at my place of employment. I am on the Do Not Call Register and the company should not have access to my private/unlisted home telephone number.
Product: Student loan

XXXX of 2016 I contacted Sallie Mae Loans in order to follow through with a repayment option. I was only told and directed to forbearance option. No other options were " available '' While the forbearance is intact I was away on military XXXX limiting my interest rate to 6 %. But I returned and thus rejoined going to College at XXXX XXXX University. I contacted the loan provider that XX/XX/XXXX/XX/XX/XXXX time to let them know I would be attending school and would like to know who actually owned my student loan debt as I know they sell them off to other companies. But they did not provide that information and still have not provided that information to me. Also i was interested in getting the in school deferment plan but I was told no such program existed since they were a private loan institution. Now that I know that is false. Had this information been released to be I would have applied for this way earlier and saved money for myself in the long run. I know that Sallie Mae had problems with this earlier as they had legality issues pertaining this recently. This was unfair to me as a citizen, military member and loan holder as I should have been told about my options from the start and they should be easily and readily accessible to me.
Product: Checking or savings account

Chime on several occasions has caused major problems in my financial situation by within 30 minutes denied my claim on more than 5 occasions over a 3 yr period. I have no other option but chime due to my bad separation from my partner.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to bring to your attention a matter regarding my credit report that requires urgent resolution. Upon reviewing my records, it has come to my attention that there are items on my credit report that do not belong to me. Despite my ongoing efforts to dispute these inaccuracies over the past few months, they persistently remain on my credit reports. Through my research, I have identified that, under Section 605B of the Fair Credit Reporting Act ( FCRA ), it is mandated by law to remove items resulting from identity theft. Enclosed with this correspondence, please find the necessary Federal Trade Commission ( FTC ) Report with reference # XXXX, and relevant bank records, as discovered through my meticulous research, which substantiate the inaccuracies in question. I kindly request the immediate removal of the following items from my credit reports : XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} TRANSUNION : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX ELSMERE PL XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX ELLENWOOD, GA XXXX. If, by any chance, there is a belief that these items pertain to me, I kindly request all documentation bearing my signature for verification purposes. As per my research, it is imperative for you to verify these items with 100 % accuracy, ensuring they are true, accurate, correct, complete, and verifiable.
Product: Credit reporting or other personal consumer reports

I am unable to receive a credit report due to identity theft of fraudulent accounts place on my credit report. I did not not authorize XXXX XXXX XXXX XXXX or XXXX XXXX to open any lease auto loan or credit I dont have knowledge of these accounts either did I authorize them
Product: Debt collection

We got home phone service from XXXX XXXX XXXX XX/XX/XXXX. We immediately received automated telephone system calls every weekday and they want to speak to XXXX XXXX. These automated calls do not allow you to simply press a button and speak to someone. You have to write down their number and call them. We registered our home phone number on the do not call list on XX/XX/XXXX because of these calls. I filed a complaint with the FCC on XX/XX/XXXX. 

I notified the caller on these dates and times to stop calling and that we do not know XXXX XXXX, we are on the DNC list and we just received the new phone number. I begged them to stop calling. 

XX/XX/XXXX at XXXXXX/XX/XXXX at XX/XX/XXXXJust per review of the incoming call records from XX/XX/XXXX - XX/XX/XXXX and in that 18 days they called us 19 times, including 8 times ( every single weekday ) after the second notification on XX/XX/XXXX. 

They use several different telephone numbers, which they continually change so you can not block them, XXXX : //XXXX They also use different company names, e.g., XXXX XXXX XXXX , XXXX.XXXX PCHarris & Harris XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX. 
Harris and Harris of Illinois, Ltd. 

This morning their call right after XXXX woke up our child. Please make them stop harassing my family. Thank you!
Product: Credit reporting or other personal consumer reports

Lexington Law Firm, have not help me fix my credit. Started the credit help process in XXXX i have not have any improvement in my credit, til this day. i have not receive any updates they have filed on my behalf.
Product: Student loan

AES/PHEAA is reporting an account on my XXXX, XXXX, and XXXX credit reports. It is a very old account from XX/XX/2006, I no longer owe AES, and it should be removed from my credit reports immediately. AES/PHEAA 's company policies or industry standards are of no interest to me. I have no further dealings with AES and I want them removed from my credit reports.
Product: Credit card

XXXX filing a complaint against XXXX XXXX XXXX XXXX has stole my identity and has used it to open this account they can not provide any information when requested, my information was used with my knowledge and consent, I want transunion to delete and block this information off my credit report, or I will sue for damages and my lawyers fees, my information including accounts, social security number, drivers license, phone numbers, emails, were found on the dark web, either transunion can comply or this complaint can be and will be used in court or arbitration, delete and block this account immediately thank you. 

Also I will provide my drivers license that has my veterans status on it, I am a veteran of the XXXX XXXX, its been on my license for 15 years, no one has my license with my veteran status
Product: Debt collection

Sent a debt validation letter via certified letter on XX/XX/XXXX requesting proof of debt, the original bill and proof they are authorized to collect on the debt. I received a response that they were unable to locate an account for me. I sent my second debt validation letter via certified mail on XX/XX/XXXX. I have never received a response from Credit Systems. This is currently still reporting as of XX/XX/XXXX. They replied to the credit bureau that the debt is verified but have yet to respond to my reasonable request for validation.
Product: Credit card or prepaid card

Capital One bought a fraudulent Walmart card from XXXX XXXX in my name when this card peered on my credit report I can usually contacted XXXX XXXX and they send me an affidavit with the posted transactions I signed that I've heard of it as not mine and circled all the transactions as unauthorized that was approved account was removed XXXX XXXX credit report six months XXXX XXXX sold this card to Capital One and now Capital One is showing a unpaid doing good on my credit report when I contacted Capital One they have no idea where this balance coming from they just have one answer to everything XXXX XXXX so does this this is an absolute violation of My Fair Credit Reporting I want Capital One to send me designed terms and agreement and how does application was submitted you know this XXXX doesn't belongs to me or anybody need a XXXX   either Capital One and Capital One has no ride without my permission to use my credit report as a form of extortion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with 2 accounts and inquiries I did not authorize
Product: Credit reporting or other personal consumer reports

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

I trust this letter finds you well. I am writing to express my ongoing concern and frustration regarding the presence of fraudulent items on my credit report, despite my previous attempts to rectify this matter. I have recently submitted a second dispute to address these issues, and I am disappointed to note that the fraudulent items persist in my credit file. 

I initially became aware of the fraudulent activities and promptly reported them to your bureau. I followed the necessary procedures, including submitting supporting documentation and filing a police report, as required by your dispute resolution process. Despite these efforts, it appears that the fraudulent items remain on my credit report, negatively impacting my creditworthiness. 

Enclosed with this letter, you will find copies of my previous correspondence, dispute letters, the police report, and any other supporting documentation submitted during my initial and subsequent disputes. It is disheartening to see that the fraudulent items continue to tarnish my credit history, making it difficult for me to secure loans, credit cards, and other financial products. 

I understand the importance of a thorough investigation in cases of identity theft or fraud, and I appreciate your commitment to ensuring the accuracy of credit reports. However, I urge you to expedite the review process and take swift action to remove the fraudulent items from my credit file. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that timely resolution is crucial to my financial well-being. I kindly request that you conduct a comprehensive investigation into the matters raised in my previous disputes and take the necessary steps to rectify the inaccuracies promptly. 

I would appreciate your immediate attention to this matter and request that you keep me informed of the progress of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed offenders to repeat to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable, and raises immense concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am deeply frustrated after finding unauthorized inquiries on my credit report today without any explanation. I regularly check my report, but these discrepancies suddenly appeared. Thinking it might be a browser glitch, I refreshed the page, but the inquiries remained. I urgently need the documents I provided to be carefully reviewed to resolve this issue permanently.
Product: Credit reporting

Equifax is reporting my balance incorrectly on my Equifax Credit Report. This error lowers my credit score and causes a denial of a student loan.
Product: Credit reporting

XXXX did not have authorization to check my credit for a service I had inquired about. In fact, I specifically said to NOT check my credit after which the XXXX representative lied and said they would not check my credit. Later I see that XXXX, in fact, checked my credit and gave me a negative disposition. When I formally complained to Equifax that the credit check by XXXX was unauthorized and should be removed from my record, Equifax investigated and gave me a standard message saying basically that XXXX checked my credit. According to XXXX their calls are recorded so I know that my stating specifically to NOT check my credit is a part of the call. Equifax has a dispute option that says " unauthorized credit check '' but it does nothing if you say a credit check was unauthorized and continues reporting negative information on your file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on 15 USC 1681s-2, 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 not 100 % accurate, I have displayed on several occasions how the Fair Credit Reporting Act is being violated. According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall now 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. ( B ) Reporting information after notice and confirmation of errors A persona shall not furnish information relating to a consumer to any consumer reporing angecy if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The credit bureas dont seem to be compliant with the actual laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, the credit reporting companies : XXXX, and Experian have not yet removed innaccuracies off my credit report that are causing me major harm as a consumer. The credit reporting companies are slowly taking their time to delete these inaccurate and incomplete accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Federal Law, I understand that anything inaccurate should be removed promptly. 
I feel like I am being taken advantage of. I have received denial letters from Major financial institutions due to these continuos errors reporting to my credit report. I am worried I will not be well prepared as a consumer for the next Recession. 


( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Debt collection

just received a notice from A.F.N.I. debt collection from an old XXXX XXXX account that was fraudulent being misspent on female graduate student former employee 's their last count was around 5 different females the store owner was XXXX  around with. after non-approriate action to close out account i the consumer had to cancel services with company after bill kept going up for no reason with the auto payment withdraw from checking account was being over-billed and after going to store to complain about the bill i was asked to leave and do not return all monies was receive and manager was satisfied with response on this timely manner situation. so, i left and started making payments in XXXX, n.c. and reached out to an employee their who was promoted to mgr position following her prmotion from XXXX site to XXXX and i explained too her what was going -on their at the XXXX site location, and she inform myself to turn in the devices that i had a contract with that was paid for at the XXXX  site and inform the manager that an complaint would be filed for fraudulent overdraft withdrawal from my checking account, and now the store is closed, the women the manager was XXXX XXXX  with are now managers in XXXX XXXX n.c. and XXXX  XXXX s.c. and store managers in georgia as well. so, here i am complaining again for the 3rd time in 3yrs too close out account, this bill for {$1300.00} can go right back to the employee 's pocketing the money as well.