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

XXXX derogatory remarks reporting from XXXX of XXXX through XXXX of XXXX. The remarks show as XXXX days late. I was actively enrolled in the XXXX forbearance assistance program that was being offered by XXXX XXXX. I spoke with multiple representatives at this time and each XXXX of them ensured me that there would be no credit ramifications from entering this program. 

I was informed today by XXXX different representatives XXXX, XXXX, and XXXX that they were unable to see any type of missed payments or delinquent remarks on my account dating back to XX/XX/XXXX. This has negatively impacted my wife 's and my own XXXX XXXX by over XXXX and XXXX points. 

I am requesting that these remarks be removed as soon as possible. I was informed by XXXX XXXX that this was something that I would have to take care of myself, and they would not be able to help me. 

They also sent several correspondences stating that they were attempting to collect a debt while I was enrolled which is a direct violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

THis company experian has been the worst company by far to deal with. I can not reach them at all by phone. they refuse to properly investigate my disputes. I have sent in a letter AGAIN and have not heard from them in over XXXX days. They are incorrectly reporting this account XXXX that is negatively affecting my life greatly. Please help THEY REFUSE TO PROPERLY INVESTIGATE MY DISPUTES and are constantly delaying/not responding to me
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my identity was used fraudulently to obtain a personal loan from XXXX, XXXX in the amount of {$670.00}. I became aware of this via email in late XXXX that a payment was due. I made phone calls to XXXX XXXX XXXX on XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX. Each time I called and explained the fact that the account was fraudulently created and requested an investigation to clear my name of this issue. They promised each time to send an email follow-up to me within 2-5 business days, but never did. I obtained case number XXXX on the XX/XX/XXXX phone call. XXXX, XXXX also reported my address as " XXXX XXXX XXXX, XXXX, AL XXXX '' as shown on my Equifax credit report. I never lived in Alabama and expressed this each time I called XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, 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  FL XXXX, XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have mailed Transunion a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent Transunion a letter stating pursuant to 15 USC 1681b that I have given no such consent for Transunion to host the alleged debt on my Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 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 the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

due to equifax data breach i have tried contact them on phone, and im disconnected after waiting on hold. 
i have tried their website and it will not allow you to enter information and site crashes
Product: Credit card or prepaid card

On XX/XX/2021 the credit card company ( Aspire ) charged me a {$29.00} late fee. The company stated that my payment was returned by my bank. I looked up my bank statement online ( XXXX acct. ) It showed my payment paid on XX/XX/XXXX. I emailed Aspire a statement showing it was paid. Aspire emailed me back stating again that my payment was returned. I got mad and called them. They did not give me any reason for the charge and offered to reverse the fee. I accepted. There was another time about a year ago this company charged me a late fee that again was taken off because I am never late in my payments. Is this company just charging people at random seeing if they notice the fee or just pay it? If it happens again I am going to the FTC.
Product: Checking or savings account

Charged wire fee {$15.00} on XX/XX/XXXX, NSF Fee XX/XX/XXXX for {$35.00}. A transfer was done XX/XX/XXXX for {$45.00} to cover the negative but incorrect phone number by one digit. Two deposits were made on XX/XX/XXXX totaling over {$1600.00}. Then several ATM transactions put through AFTER the actual date and not when they were truly made and the account was positive. Four of six receipts are included. I 'm looking for other two. XXXX {$19.00} on XX/XX/XXXX XXXX XXXX, XXXX {$10.00} XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX XX/XX/XXXX and the withdrawal {$600.00} on XX/XX/XXXX at XXXX XXXX. All these fees total {$150.00}. Three more {$35.00} each XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. And there were promised fee refunds for areas affected by hurricane which I was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover should have my account set for deletion on XX/XX/2022 Per Arizona State 3 Year Law.

Please ensure this account will be deleted from my report!
Product: Credit card or prepaid card

I applied for a XXXX XXXX card ( ending in XXXX ) in XXXX of 2016 with a bonus of XXXX XXXX  XXXX miles after spending {$1000.00}. Upon receipt of the card, I noticed the card I was approved for was a lower tier card with only a XXXX mile bonus. I called BOA and asked to change the higher tier card ( as I had the credit score and qualifications and wanted the higher bonus for travel purposes ). They agreed and re-issued the card ( ending in XXXX now ) and advised that I would have the new bonus offer since the card was not the Visa Signature vs regular Platinum Plus. I went to use the points and earlier this year and noticed that they still only applied the XXXX bonus miles. I have contacted BOA a number of times and received no reply ( via letter ) and via phone, nobody was able to assist me and my escalation was never followed up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX - XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX - XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Number : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : 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 and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On 2 occasions, strangely, this card company has authorized fraudulent transactions on my account in other states. I have been with them for over a year and have never made purchases outside of the state of XXXX, Florida. On the occasions that they have made these transactions, they have been on the same day that my workplace makes my pay deposits. I call customer service and ask how they manage to do that. And they just say they don't know. I call to ask about my claims and they never know the status or know how to give an explanation. After 12 days, they send me an email denying my refund of that money because they say they can't find evidence to return the money ... which is so logical that no one can make comparisons in different states in person in less than 30 minutes ... I reported it to my state police.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX - XXXX XXXX2023 remove hard Inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

on my records is wrong information, i know about my rights and i understand my information must be XXXX porcent accurate, verify and completness, EXPERIAN is just puting on my credit inaccurate information, i already dispute it a month ago but they dont answer my complaint, the 30 days they have is over and at the moment i did not recieve anything about it, so the credit bureu is not doind the homework they are not interest in my as a customer so this is why im contacting the CFPB i need help with the lazy credit bureu
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a account on my report and the investigation passed the 30 days required by the furnisher. Account needs to be deleted
Product: Checking or savings account

N26 sent me an email out of the blue saying my account would be closed in 3 days and requesting financial details to transfer my balance ( currently about {$6100.00} ) to. They provided no reason for the closure. In their own terms and conditions they state it can be closed immediately ( 3 days ) for only 3 reasons. 

1 Providing incorrect statements to N26 about your financial situation, especially when you apply for a credit. I have not applied for credit. 

2 Failure to repay your loan or any debt toward N26. I do not have a loan with N26. 

3 Failure to comply with N26 's requests about your loan ( see provision or increase of security, section 13 ( 2 ) of our T & C 's ( new tab ) ). I have not requested a loan nor have I failed to comply with any requests. 

I would like N26 to review this and provide a clear explanation as to what the issue is once they see I haven't violated their terms and conditions, I'd expect to have my account reinstated.
Product: Student loan

FedLoan Servicing Income Driven PSLF qualifying payments. I often round-up to nearest dollar or so in my payments. Payment screen on website says what I owe, not what my required PSLF amount is even if it differs ( as my other lenders do quite transparently ). As such, I have " missed '' payments ( due to overpayment the month before reducing amount I owe on my payment screen ) for almost two years. TWO YEARS. Never a notice that I 'm not paying my required PSLF amount, nothing. I have escalated the issue to management today ( XXXX/XXXX/2017 ) and they will " be looking into it. '' Often the missed amount is {$0.00} or less. I have made decisions of employment and home buying based on being much closer to qualifying for my 10 years than this deception now has me at. I said, your organization could n't be trying harder for me to pay the wrong amount.
Product: Checking or savings account

Hello, first off I am not the type to reach out regarding matters that I would normally resolve on my own. I am writing to you this morning regarding an ongoing issue with the newly formed Truist Bank ( BB & T/Sumtrust merger ).

There are two separate matters I am reaching out in hopes that you may be able to assist me with. The first is regarding some fraudulent charges and the second is the cancelling of my account based on me disputing these charges.. 

It all started on XX/XX/XXXX, when I discovered two fraudulent charges made to my checking card. Both were in the amount of {$94.00} to the following companies according to my bank records ( Seamless delightful rest & Unblemished pure advance ), which were not authorized by me. 

XX/XX/XXXX, the same transactions reoccurred for the exact same amounts to the companies listed above. 
XX/XX/XXXX, another fraudulent charge was withdrawn in the amount of {$100.00} to a company called XXXX XXXX. 
XX/XX/XXXX, another fraudulent charges was withdrawn in the amount of {$400.00} to a company XXXX XXXX. 

Date Transaction Payment XX/XX/XXXX Unblemished {$94.00} XX/XX/XXXX Seamless {$94.00} XX/XX/XXXX Unblemished {$94.00} ( Funds returned ) XX/XX/XXXX Seamless {$94.00} ( Funds returned ) XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXXXXXX XXXX XXXX {$400.00} XX/XX/XXXX Notification of the account closer ( While the disputes were still open ) I filed dispute claims on all of the charges with the bank and all were denied with no reason for the denial ( proof, which I requested ). I would also like to point out that the total wait time I was on the phone during this whole ordeal was close to 28 hours and I still did not receive the correct documents. Being currently unemployed, you can understand that the cancellation of my account and the non refunded {$700.00} has put me in a very difficult situation with my creditors. 

Not sure what you might be able to do, but hopefully a little leverage from your organization and the media might help get me some resolution to this matter. If you need to speak with me I can be reached on my mobile number at ( XXXX ) XXXX. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ability Recovery is a 3rd party this same collection account is under XXXX XXXX and being reported 3 times on all of my credit reports, this company cant verify that this account is mine.
Product: Credit reporting or other personal consumer reports

I review my credit report and saw some inaccuracies on credit report. Im currently trying buy house and needs these inaccuracies deleted. So, I mail certified letter to Experian on XX/XX/, XXXXI have not received any information back from the creditors showing investigation information about these inaccuracies.
Product: Checking or savings account

My wife and I created the XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. This is still valid, it has been valid with XXXXXXXX XXXX then BB & T and now Truist. 
In XXXX of XXXX we added an XXXX XXXX XXXX. 
This is The XXXX and XXXX XXXX XXXX XXXX it is dated XX/XX/XXXX. 
on XX/XX/XXXX this was filed with a local Truist branch. 
Both trusts are identified by my social security number. This is stated in section 1.07 No New Tax Identification Number for the Trust. 
" Pursuant to federal income tax law, this trust qualifies as a " grantor trust '' for income and estate tax puposws in accordance with Code Sections 671-678 and is not required to have a separate identification number. The identification number for this Trust is either of our social security numbers ( see Code Regulation 1.671-3 ( a ) ( 1 ) ). 
Their 'back office ' wants to recharacterize our private trusts as business trusts. They never contacted me, our Truist branch. They just arrogantly and arbitrarily made ur are making unilateral changes to our accounts. It should be noted the original trust of XXXX is still in effect, the Legacy trusy of XX/XX/XXXX in also in effect. They have been with Susquehanna Bank, then BB & T and now Truist. No problems until this 'merger ' of equals. If more info is needed contact me or my attorney. 
2NOTE : My State of Maryland contact used the phrase 'Systemic Problem ' once I told her my sources had indicated approximately 60,000 accounts have been impacted. 
This was sent to XXXX XXXX This came to my notice on Monday XX/XX/XXXX, I called one of the Truist branches I deal with. The banker, XXXX, said yes his phone had been busy. The 'back office ' wanted to make our trusts into business trusts, all without my concurrence or even notice. nothing was done, no phone call from Truist, no email. this dragged into Friday the XXXX. I found a XXXX affiliate in NC that had, a year ago, a story on Truis and Social Security issues. So I called, talked to a 'reporter ' she took my info and contacted someone in Truist XXXX That as XXXX on XX/XX/XXXX. By XXXX a phone call from a Truist employee about my problem. I did not know this person nor his branch. It seemed my TV contact had hit a nerve. But arrogance dies hard. Today I filled with the North Carolina Commision of Banking. This was at the recommendation of the Maryland State Banking Commission because they think 'Sytemic problems exist in Truist for this behavior. I can supply the file number if you need it. So the Maryland Banking commission also offered your contact information, so here we are. 
XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX MD XXXX XXXX XXXX IF NEEDED Attorney XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I modified my loan, i sent payment on the new loan per their request, not till much later did I discover Bank of America and the serving lender incorrectly applied two payments to the old loan. They now they claim I 'm 60 days late.
Product: Debt collection

The following information pertains to case # XXXX : At the beginning of XX/XX/XXXX, I received an Intercept Funds Notice letting me know that {$460.00} dollars were withheld from my state taxes refund for XXXX. The agency listed was the XXXX Superior Court. 

I contacted the XXXX Superior Court and talked to Ms. XXXX XXXX on multiple occasions. She told me that I owed money for a traffic violation which allegedly took place in XXXX XXXX. I explained to her that I've never even been in that area. I was asked to submit a copy of my driver 's license and my social security card. I sent them the requested documents, and they acknowledged I was not the person they were looking for. 

In XX/XX/XXXX, I was told by Ms. XXXX that I'd be getting a refund of the money withheld. However, that never happened. I contacted her again sometime in XX/XX/XXXX to find out the status of my refund, but she explained to me that my money was being held by a collection agency named EOS CCA. She gave me the phone number to call them, which I did. However, every time I called them, they told me I had to talk to Mr. XXXX ( I don't have his last name, sorry ). 

I called Mr. XXXX on XX/XX/XXXX, and then multiple times after that during a period of almost 4 weeks. Every time I called him, he never answered the phone. So, I left him a message every time I called him, but he never called me back. The last time I called him, I told him I would sue the collection company that he works for. I said that so that he would at least try calling me back, but that never happened. 

I've spent months trying to get back the money that was withheld from me illegally, but I've gotten nowhere. In the middle of a pandemic, such as the one we are going through right now, every penny counts. Please, help me get my money back. Thank you for your time!
Product: Debt collection

I was notified of XXXX {$150.00} medical debts filed on my credit report by Transfinancial Companies. I made several attempts to pay the bill to Transfinancial. I could not complete the payment as the employee refused to stop yelling across the phone, despite notifying her of my XXXX and repeatedly asking her to help me. I paid {$300.00} on XXXX XXXX, 2015 directly to XXXX XXXX XXXX Hospital since Transfinancial was incapable of receiving payment. 

I made complaints to XXXX XXXX XXXX Hospital business office regarding the conduct of their sub-contractor, collection agency. 

As of today, Transfinancial has failed to report both accounts paid in full. They are maliciously not reporting accurate information on my credit report. I feel that this is in retaliation for the complaints made to XXXX XXXX XXXX Hospital. 

This is also in connection with, but separate from, another complaint I filed with Consumer Finance Protection today in regards to Transfinancial Companies.
Product: Money transfer, virtual currency, or money service

USAA is my financial institution that I used for a third-party loan to XXXX. Check was sent by USAA with incorrect information or account on the check. I requested a dealer funding request from USAA but the document sent by USAA was not a dealer funding request. It is attached. After submitting the required Vehicle Purchase Agreement to USAA instead of providing me with a dealer funding request the representative took the information from the Vehicle Purchase Agreement and processed a check with incorrect details. I have contacted XXXX XXXX as well and provided them with a copy of the front and back of the check and they confirmed it is in the XXXX XXXX auto loan account, but they need USAA to work with them to get the funds returned. USAA will not reach out to XXXX XXXX and continues to blame myself for giving incorrect information. USAA did not follow their own processes when creating the loan and issuing the check and refuses to assist.
Product: Checking or savings account

XXXX XXXX chip picked stole by XXXX XXXX XXXX XXXX XXXX XXXX XXXX judge agreement dissolved marriage agreement made by XXXX XXXX XXXX latter XXXX XXXX  issue by XXXX XXXX ruined my XXXX XXXX account had to pay more over XXXX along with filling civil rights with XXXX XXXX  XXXX lost stolen items