23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Truist Bank ERRONEOUSLY charged me a " lender placed '' Hazard insurance premium in the amount of {$3800.00}. 

After receiving letters from Truist asserting that I had no insurance on my home from XX/XX/XXXX - XX/XX/XXXX, I contacted Truist and spoke with 2 representatives ( 1 call was on XX/XX/XXXX & the other call was in XXXX XXXX ) trying to clear up this error. On both occasions, the reps conferenced in XXXX XXXX and were told that I DID have insurance on my home covering XX/XX/XXXX - XX/XX/XXXX. On both occasions the XXXX XXXX reps sent declaration pages as proof to Truist. 

After speaking with a Truist rep on XX/XX/XXXX, I sent an email to Truist providing all the documentation Truist needs to resolve this issue to ( XXXX ) and attached the following documents : - XXXX XXXX declaration pages- PROVING I had insurance from XX/XX/XXXX through XX/XX/XXXX - XXXX XXXX declaration pages - showing new coverage from XX/XX/XXXX through XX/XX/XXXX ( Date issued XX/XX/XXXX ) - Recent charges from my Truist account showing the erroneous charge of {$3800.00} I spoke to a third Truist rep on XX/XX/XXXX and was advised my email was received on XX/XX/XXXX, but the only attachment that was uploaded in the Truist system was the XXXX XXXX declaration pages showing new coverage from XX/XX/XXXX XXXX. The other 2 attachments were not uploaded. When I explained the issue ( yet, again ) the Truist rep conferenced in XXXX XXXX and was told that I DID have insurance on my home covering XX/XX/XXXX - XX/XX/XXXX. The Truist rep requested the XXXX XXXX rep send proof to Truist. I was told to wait another 5-7 days for the proof to be received and processed. Why should I believe waiting another 5-7 days a third time will get me results the first 2 times did not? 

I have wasted 45 minutes per call a total of 3 times contacting Truist to get this resolved and I am done wasting my time. I am not sure if the issue is because my original mortgage was with BB & T and Truist assumed those mortgage loans, nor do I care. 

I have attached XXXX XXXX Declaration pages proving I had insurance from XX/XX/XXXX through XX/XX/XXXX and recent charges from my Truist account showing the erroneous charge of {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit card

In XXXX 2017, I applied for a XXXX XXXX XXXX card under a special rewards offer. The offer at the time was XXXX points after spending {$5000.00} in the first 3 months. I opened this card in my local Chase branch through a special business relationship manager. Shortly after applying, Chase came out with a new rewards offer for the same card of XXXX points after spending {$5000.00} in the first 3 months. I called Chase to request a match and I received a letter in the mail from a Chase representative that the offer would be matched after completing the {$5000.00} spend. I reached out to Chase earlier this week but the representative saw nothing on my account and did n't know how to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account Number ( xxxxxxxxxx XXXX account number not provided ), has violated my rights : 15 U.S. Code 1681Section 602 A- Violated my right to privacy. 

15 U.S. Code 1681 Section 604 A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.
Product: Checking or savings account

On XX/XX/22, all day long up to midnight, my account showed a positive balance. My husband went and made a purchase that reduced my account to {$1.00}, but still positive. I watched it all day to make sure nothing was pending because I knew I'd be getting paid that night. 
I got paid at XXXXam that night ( so XX/XX/22 ). Suddenly, I have two bounced checks for insufficient funds and numerous charges and fees. None of these items came in UNTIL my paycheck hit, and then they tried to say they had posted the XXXX and that I'd had insufficient funds. If that were the case, I'd have moved some money over from my Merrill XXXX account if anything was showing pending. But nothing ever showed pending or attempted charges. I even have an email from them dated and timed for XX/XX/22 at XXXX. It says that I have a LOW balance. Low. Not that I had things pending, insufficient funds, or that I was negative. So basically they just acted like these things had been posted a day earlier than they really were just so they could screw me out of money.
Product: Checking or savings account

I opened an online on XXXX/XXXX/3023. The account was up until two or three days later it restricted without reseason. 
I reached out to the bank to why it had been closed but everyone I tried to speak with would not talk bout the reason for the restriction. 
The online application said that if I opened the account I could receive {$220.00} as long as have my income direct deposit to that new account that I opened. 
About two weeks later, after calling so many times for and answer about the restriction on the account, receive a letter telling to call the bank as soon as possible to find out what the issue was but I did that and still no answer given. 
In addition, the letter that was sent wasn't even a letter disclosing the consumer reporting agency they used which I thought was very uncommon. 
I told them that there is a conspiracy between them and XXXX XXXX XXXXXXXX. The reason I am saying this is because on XX/XX/2023 I opened the account first with XXXX XXXXXXXX XXXX and they immediately declined my application for and account. On the XXXX/XXXX/XXXX  I opened an onli account with chase bank but suddenly it was restricted without cause. XXXX XXXX XXXX  sent a letter, from a specialty agency which I found out is owned by both XXXX  XXXX XXXX and Chase bank and I believe chase denied me because of information given to them by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pre qualified for a Kohl 's charge card and the application said it would not effect my credit score. I checked today and found a hard inquiry on my credit score. Called Kohl 's and told them I was not happy about this and to cancel my application and remove the hard inquiry.
Product: Credit reporting or other personal consumer reports

My XXXX and Trans Union Reports both say I have over {$40000.00} in student debt because they are duplicated. 
XXXX Had my student loans until XXXX took them over. 

XXXX is still reporting it on my credit reports as a debt. I called XXXX XXXX and they told me the credit reporting companies are wrong. When I dispute the debts are still doubled. 

My total debt is higher on the credit reports than it should of been and I been denied many loans and mortgages. From this duplication is showing my Debt to Income ratio.

If you look at the report there is 4 student loan debts, there should be only 2. Dept of EdXXXX is not collecting. 
XXXX is and it is a double debt.
Product: Credit reporting or other personal consumer reports

College ave gave me deferment but then said I was behind on payments
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Company DCM, services are trying to collect a debt that has been fraudulently sold around two times by XXXX with no evidence that I owe this debt. I have asked for validation by way of contract because I do not owe are remember this debt. XXXX is also attempting to collect the debt by Reporting it and damaging my credit to the Credit Bureaus. And must cease and desist all attempts. 
I have attached a validation of debt letter to the response of DCM, services validation request which was dated XX/XX/2020.
Product: Credit card or prepaid card

i have been paying for a charge that i didnt do i want this resolved ASAP.
Product: Checking or savings account

I received an email in XXXX saying my 1099Int was available. To login to my account to retrieve it. ALLY Bank closed my checking and savings account several months ago and I have been unable to log in. I called to talk to them when I received this email and was transferred to the Fraud department. They told me they couldn't provide it for Me, that it would be mailed. I have not received it as of today, XX/XX/year>. 
I never received final statements either. I was set up for statements and received notice it was ready, but of course, my access was blocked. I couldn't get the documents and they never sent them. Consumers are due periodic statements. My guess is anyone whose account was flagged as fraud is not receiving them. 
I have never tried to defraud the bank and when I get my 1099INT notice, I can finally be rid of this bank!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I opened a dispute with Experian about an incorrect balance they reported for my XXXX account. Experian has updated this information on its website however, they have again not updated it with MYFICO. I have reached out to them repeatedly without success. I am constantly routed to an IVR system that will not let me speak with an agent. 

I tried to open another dispute to advise them to update my information. only to see that this dispute was opened again. I should not have to tell a reporting agency to report! 

Experian is not updating my info and reporting false information. This Company has over XXXX complaints and CFPB is doing nothing to protect consumers. How many more complaints do you need before you step in?
Product: Credit card

In XX/XX/XXXX my credit card issued by Citicard was charged {$99.00} by XXXX for an antivirus software I did not use any more. I filed a dispute and was resolved in my favor. 
Again in XX/XX/XXXX my credit card was charged {$100.00} by XXXX. I also filed a dispute to Citicard. This time Citicard resolved that I had to pay {$100.00} for something I did not use since last year.The same issue but different resolutions. 
I don't agree with Citicard 's resolution.
Product: Credit reporting

I am a certified financial crime investigator. I am filing this complaint on behalf of each individual that has been issues a Social Security Number by the Social Security Administration. I allege that the credit bureaus, to include Transunion, XXXX, and XXXX are willfully and knowingly allowing fraudulent profiles to be created in their databases and systems. On multiple instances, they were made aware of how they allow fraudulent credit lines to be opened with information that differs from the original individuals demographics. Financial Institutions are being harmed along with the individuals that are issued SSNs. Fraud losses are exponentially increasing year over year and this is in part, due to the credit bureaus going unregulated and unchecked. Regulators need to file suit against the Credit Bureaus for willfully and knowingly violating FCRA/FACTA and the consumer protection laws. 
A few questions any educated individual would now ask, after reading the previous statement, would be : " Why would the Credit Bureaus allow secondary profiles to be created? '' " What benefit do the Credit Bureaus have in allowing fraudulent profiles into their data/systems? '' " Why is this an issue and what are the implications? '' To answer these, we must first look at what all fraud schemes have in common .... MONEY. XXXX dollars are spent each year on fraud prevention and detection tools by financial institutions that are under MAJOR scrutiny by the various regulators. In order for financial institutions to comply with FACTA and the red flags rule, they must have proper detection tools in place. These tools are being developed, marketed, and sold to the financial institutions by the Credit Bureaus themselves. The Credit Bureaus have invested massive amounts of capital and energy on learning how to identify fraud within their data. Credit Bureaus have proprietary tools that can identify the very fraud they have allowed, which can easily be sold at top dollar to financial institutions, who unknowingly and unwittingly shell out XXXX for these fraud tools. 
To address the last question from above, we need to look at who Social Security Numbers are issued to. SSNs are issued to minors, adults, but most importantly, all are American Citizens. We as American Citizens are being harmed maliciously by the Credit Bureaus and DEMAND protection by the regulators. Escalate this to any other regulator or investigative branch of the government as necessary. It is time we address the root cause of fraud here and now.
Product: Credit card

The CFPB today ordered U.S. Bank to pay nearly {$21.00} XXXX for keeping out-of-work consumers from accessing unemployment benefits at the height of the COVID-19 pandemic. 
XXXXXXXX XXXX XX/XX/2023 XXXX Views Replying to @ CFPB No file chosen consumerfinance.gov @ CFPB XXXX U.S. Bank froze tens of thousands of accounts. However, it failed to provide people a reliable and quick way to regain access. The bank also failed to provide provisional account credits, while investigating potentially unauthorized transfers. 
consumerfinance.gov @ CFPB XXXX Todays order requires U.S. Bank to pay {$5.00} XXXX to consumers harmed by its actions and to pay a {$15.00} XXXX penalty.
Product: Credit card

Bank of America Credit Card had a merchant dispute in XXXX for XXXX dollars ... 
Credit card is on an autopay bank payment mostly and is paid on time each and every month. 

XXXX received XXXX charge plus XXXX fee ... was upset with company because of fee charged for something that was in dispute ... never heard of fee charged .. paid charge and cancelled card the day the statement arrived ( before due date of autopay ). Due to extremely rude representative, i decided to cancel credit card and asked that it be noted at consumer 's request. One Day later reported to Agencies and my FICA score dropped over XXXX points .... is this even legal? It was not late, it was in dispute, i lost and paid rather than argue about XXXX dollars ... what really is frustrating is the next day they reported my payment was LATE. This is FRAUD.
Product: Bank account or service

Citibank is stalling and not paying a {$400.00} checking account bonus promotion. They state that they need my XXXX form. I have sent in two XXXX to the addresses they specify but they state they have never received them. This is in addition to unpublished holds on my money, delays on processing paperwork, and overseas support that is useless.
Product: Credit reporting or other personal consumer reports

I found Fraudulent inquiry in my credit report ... XXXX XXXX XXXX XXXX pleae remove it
Product: Credit reporting, credit repair services, 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. 



XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 an 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/XXXX my information was shared with someone not associated with the home nor account in reference to possible foreclosure. This has caused me stress and serious embarrassment I submitted updated deed last year before the modification I thought was coming from Mr. Cooper comes to find out I have a 2nd mortgage with HUD in which I was unaware of. On XXXX XXXX I was behind on my mortgage and Mr. Cooper offered me a modification I sign the paperwork thinking the amount owed would be put to the rear of my loan not realizing they had got a loan for me from HUD and did not put one time towards my principal, all funds went to escrow and interest in amounts that has not even been incurred yet. When I asked I was informed that's how they had to process it to receive the payment. I feel like the modification was not fully explained and the money went to the mortgage company fro monies that was not even owed that's not right and I need justice. I also would like address a partial payment in the amount of {$1000.00} that was never applied to my account nor refunded to me XX/XX/XXXX.
Product: Checking or savings account

I requested to close my account. However, M & T Bank refused to do so. They claimed that it is an interesting bearing account and they could not close it. I had to physically go to their branch in order to close it. The branch they mentioned was not closed to my address and it was very difficult to find parking spot in that area. I offered to send them any documents for verification but they refused.
Product: Debt collection

This collection agency ( AMERIFINANCIAL SOLUTIO ) has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of PHI. I demand this account is deleted immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

20 YEARS AGO, TRANSUNION GAVE ME A CORRECT CREDIT REPORT. But now, they won't let me sign in to get a report, claiming " We are unable to confirm your identity What happened : The Identity Security System confirms your identity through a series of questions based on accounts and personal information contained in your Free Annual Credit Report. The system was unable to get enough information from the Free Annual Credit Report to complete this process. '' -- - This Happened XX/XX/2018 after the 1st question.

The OTHER 2 agencies have no problem. I tried to get a mortgage loan a couple weeks ago, and Transunion reported incorrect information to my bank, so I wanted to file a complaint.

I had a problem with them 10 years ago, but they put the problem on ME TO VERIFY MYSELF ( send birth cert., Driver Lic , and More ) - there was no CFPB to notify back then. They refused to attempt to verify over the phone ( back then, and I won't bother to repeat the hours on the phone ).

If they would " cross-reference '' my Social Security number with the other agencies, they could clear this up.
Product: Mortgage

I applied for a refinance of my Loancare mortgage loan in late XX/XX/XXXX. I was told that because of a previous bankruptcy, and that my mortgage payment history does not report to the credit bureaus I'd have to get a history from Loancare. I went on line and printed the 24 month payment history, knowing that I never missed a payment. When I presented it to my loan officer he told me that the history showed that my XX/XX/XXXX to my XX/XX/XXXX payments were all made on XX/XX/XXXX, and that I could not get the loan. I spent the next 2 months trying to get Loancare to explian ( in writing ) why they held those 5 payments until they creditied them on XX/XX/XXXX, and to correct the payment history so that I can get my loan ; they either sent me the same payment histroy or provided me with a 12 month history ( which does not cover the time period in question ). On XX/XX/XXXX, I contacted Loancare and sent a Qualified Written Request, asking for a satisfactory response by today or I would take this step.
Product: Money transfer, virtual currency, or money service

Hello, I recently got scammed for a work from home job. I received a {$3300.00} check from XXXX XXXX claimed you work for the XXXX XXXX XXXX and got asked to complete tasks to send money using quick pay. I sent a {$2000.00} and {$500.00} payments to email address XXXX. Then, I realized this was a fraudulent activity. I contacted my bank to let them know that I need to cancel the transactions, but they failed to help me out, saying that the money was already delivered and all they could do is to file a report and does not guarantee my money back
Product: Debt collection

AS I WAS REVIEWING MY CREDIT REPORT I NOTICED, CAINE WEINER COLLECTION AGENCY ATTEMPTING TO COLLECT A DEBT WHICH DOES NOT BELONG TO ME. CAINE -WEINER ACCT XXXX ORGINAL CREDITOR XXXX XXXX. BESIDES THIS DEBT IS FRAUDULENT/ I HAVENT EVER USED PROGRESSIVE INSURANCE UNTIL JUST CHANGED XXXX / THE INFORMATION ON THE CREDIT REPORT IS BEEN REPORTED INACCURATE INFORMATION/ I HAVE CALLED AND EMAILED TO DISPUTE AND HAVE REMOVED AND NOTHING HAS HAPPENED.
Product: Credit reporting, credit repair services, or other personal consumer reports

at this time they have to different collection companys reporting on a single account XXXX XXXX is reporting I owe XXXX to XXXX and XXXX XXXX is reporting to report I owe XXXX to XXXX I have disputed and they removed account now XXXX  is placed back with out 5 day re insert notice and another collection account is added for 1 single account that was unverified. 
certified mail track numberXXXX XXXX XXXX XXXX XXXX as they are aware you cant have to tradeline names reporting on a single collection account, that defimation of credit report and is unlawfull to low score, at this time I do entend to file suit on this matter you are in violation of the fcra.