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

I put in my long awaited IRS refund check via mobile deposit 2 days ago. Truist decides to place a 9 day hold on my check which is against banking regulations as they have not provided a reason to me why they feel the check will not be paid. I was told my truist the account is new and the size of the check. Neither was reason why they feel the check will not clear nor would they be valid reasons to hold the check as they would have to make available up to XXXX of any check and could hold the rest. The check is not even 30 % of that amount. Now truist has placed a XXXX hold on my account which has overdrawn my account by XXXX dollars. They have not made any attempts to deposit my irs refund check yet. This has been a terrible mistake by me to believe this was a reputable bank. Absolutely terrible and disgusting. I want this administrative hold removed and my account made positive again.
Product: Mortgage

Working with XXXX asked for an appraisal to remove PMI, they informed me that my PMI is locked in for 30 years? 

Loan Number XXXX Next Payment Due Date XX/XX/XXXX Next Payment Amount {$1900.00} Property Address XXXX XXXX XXXX XXXX, FL XXXX Loan Type FHA RESIDENTIAL Original Principal Balance {$270000.00} Origination Date XX/XX/XXXX Original Term 360 months Current Principal Balance {$260000.00} Loan Maturity Date XX/XX/XXXX Remaining Term 326 months
Product: Credit reporting or other personal consumer reports

Attn : To whom it may concern, Greetings!

In accordance with The Fair Credit Report Act : The list of Accounts below have violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

XXXX. Name. XXXX. Number 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 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 consumer reporting agency CAN NOT furnish an account without my written instructions and or consent.

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 ( 7 ) 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: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Transunion on multiple occasions regarding a collection account on my credit report that does not belong to me. 

They're still reporting it on my credit report.
Product: Debt collection

None of the options on the previous screens truly described my situation so I hope this gets to the right place. A week ago I tried renew my NC vehicle registration and was told that I was not allowed to register based on a hold placed by Account Control Technologies ( XXXX ) XXXX. They stated that I had a toll balance that had gone to collections over a year ago, I had never received prior invoices or notices of this balance and had no knowledge of it. I called the collection agency and had no choice but to pay the debt if I wanted to continue to be able to drive my vehicle. I made that payment on XX/XX/2019 at XXXX XXXX ( literally immediately after I became aware of this debt ). 

The payment came out of my account on XX/XX/2019, and as of XX/XX/2019 ( the date my registration expired ) they still had not reported the payment to XXXX XXXX to allow me to reregister my vehicle. A representative from XXXX XXXX called Account Control Technologies with me, Account Control Technologies confirmed that I did pay but stated that they had no control over when the system would send notification to NC XXXX and would not help me. So Account Control Technologies is holding my rights to reregister my vehicle hostage over a debt I was never aware and paid immediately upon being notified of it. This means I can not drive my vehicle which could affect my job.

Please help me to get this rectified and save others from this same fate, collection agencies should not be able to prohibit an US Citizen from being able to register a vehicle over a debt that has been paid to them. I feel that they are using the collection powers provided to them by the State of NC in an abusive manner which could harm me and my family.
Product: Mortgage

I had two Wells Fargo Home Mortgage accounts that were both paid off in XXXX. Wells Fargo Home Mortgage failed to provide me and the IRS with forms 1098 for tax year XXXX. When I reached out to the customer service number I was told that they had no records for paid-off loans and I would need to send a letter and hope that some information could be found for these accounts. I spoke to two customer service agents and neither would escalate my request to anyone else at Wells Faro Home Mortgage. Wells Fargo is required to file and provide these forms promptly and it has now been almost 2 years since they were due to the IRS and myself.
Product: Credit card or prepaid card

Dispute with HSBC credit card company ... ... ... ... .... 

In re : Credit Card Account ending XXXX ( original account ) In re : Credit Card Account ending XXXX ( new account opened after fraudulent charges on XXXX ) Some quick background. In XX/XX/XXXX, the balance on account XXXX was {$0.00}. Then, in XX/XX/XXXX, two fraudulent charges were made on the card for {$100.00} and {$53.00}. HSBC investigate those charges and found them to be fraudulent. ( Note : HSBC confirmed that in a letter to me dated XXXX, XXXX, XXXX ). 

That should have been the end of the story. I have not made any charges to either account XXXX or account XXXX since XX/XX/XXXX when my account balance was {$0.00}. At this point, neither account should show a balance. 

However, I received a letter from HSBC collections department dated XX/XX/XXXX stating that there was a balance owing on account XXXX and that I should give them a call if I had any questions. I called in and reached XXXX in the Collections and Recovery Department. She reviewed my accounts and confirmed that both accounts should be at XXXX and that she would be adding notes to the accounts reflecting her determination. She could see that the accounting mess up occurred around XX/XX/XXXX when the new card XXXX was open up. It looks like the credits for the two fraudulent charges were applied to account XXXX, leaving the fraudulent charges on account XXXX. The credit applied to XXXX was never sent out to me, only a credit check for some misapplied late charges and interest. 

In closing, as I mentioned to XXXX, I have had to spend way to much time with HSBC over the past 10 months trying to resolve this issue. She agreed and apologized on behalf of HSBC commented that it was a mistake on HSBCs part and that I definitely do not owe anything on either card. However, when I go online and check my accounts at HSBC, I can see that there is still a balance owing on account XXXX with multiple late charges being applied. 

To summarize : -- {$0.00} balance on account XXXX in XX/XX/XXXX -- Two fraudulent charges in XX/XX/XXXX of {$100.00} and {$53.00} -- New account XXXX opened and original account XXXX closed -- HSBC Fraud Department investigation into above charges determines that they are fraudulent and that I am not responsible for the charges -- I have made no other charges on either card XXXX or card XXXX since the two fraudulent charges were made in XX/XX/XXXX -- Ending balance on card XXXX should be {$0.00} -- Ending balance on card XXXX should be {$0.00} Thank you for your help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Product: Credit card or prepaid card

I had a XXXX account with Syncb Bank which was comprised with all my accounts with Syncb accounts at that time and it shows on the Syncb bank that I missed two payments but I was unable to go online and correct them. 

I would appreciate you guys contacting them and helping me fix this on my credit report. 

I am being treated unfair and unjust by this corporate conglomerate. 

Thank you for any help you can provide.
Product: Credit reporting or other personal consumer reports

I have credit inquiries that I do not recognize and did not give consent to be on my credit report or check my credit report, I have had a problem with fraud being committed in my name and I will like these to be removed only thing I have applied for was a XXXX XXXX XXXX everything else is fraud
Product: Mortgage

Our current mortgage is with Chase, at an interest rate of 8.249 % down from 9.99 % after finally getting them to modify the mortgage a few years ago. We are underwater on our mortgage but have never been late or behind on the payments and have been with Chase since 2008. Chase is unwilling to modify, or reduce our rate to the current national rate. My credit score is XXXX and my wife 's is XXXX. We do n't dispute the outstanding balance, we feel that Chase is taking advantage of the situation and will not work with us to lower the rate. Due to the fact that the mortgage is held by Chase, not XXXX XXXX or XXXX XXXX, we do not qualify for the HARP program. All we are looking to do is to be able to refinance at the current rate. If seems that because we have always made the payments on time and try to do the right thing, we a being taken advantage by Chase for being a responsible citizen. Again, all we are looking to do is lower our interest rate, I hope you can help our situation. Thank you.
Product: Vehicle loan or lease

In XX/XX/XXXX, I leased aXXXX XXXX XXXX. The lease was administered with Chrysler Capital. When the lease was up in XX/XX/XXXX, I requested an extension due to COVID-19. Even though I was given misinformation by Chrysler Capital, I continued to make all of my payments. I was never late or behind ; I was completely up to date. Every time I spoke with Chrysler Capital, I was always informed that I could not get an extension since I was behind. Each time I told them that I was up to date and after a long hold, I was advised that I was in fact not behind on payments, in XX/XX/XXXX, I discovered that Chrysler Capital had notified the credit bureaus that my account was 90 days past due, which was completely false. When I called Chrysler Capital, I was first informed that they had sent a letter to the credit reporting bureaus that I was in fact currents d they reported me in error. When I asked to see a copy of the letter, I was told no and that their records show that there was no problem with my account.To date, this 90 day past due is still in my credit file. As a result, even though I was able to get a loan when I purchased the XXXX XXXX in XX/XX/XXXX, I am sure that my payments are higher as a result of Chrysler Capitals false reporting of my account status
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at
a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

1.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 demanding to be deleted immediately : 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXXXXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 7. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  credit card on my equifax report, is showing open and the account is closed. XXXX XXXX accounts ( 2 ) showing up on my equifax credit report closed with {$0.00} balance. These accounts are paid, and should be removed from my report! Please get them removed from my credit report. Also a collection is showing up from XXXX XXXX for {$2200.00} - This is NOT a joint account and should not be showing on my report, as it is not my collection account. Please get these XXXX XXXX accounts removed from my report, or I will be getting a lawyer.
Product: Debt collection

I do not believe I owe this debt to XXXX XXXX. I have NEVER had any type of contract with them nor do I recall getting a letter in the mail stating that I owe them XXXX. This company has never contacted me. I believe them to be reporting harmful things to my credit report without my knowledge. This has cause me great harm in getting denied for things. This company has completely defamed my character. I would like to see the contract that I have with this company with my actual signature saying that I allowed them to report this to credit reporting agencies on my behalf. I would like this removed immediately not XXXX  days. Im also not sure if this debt was purchased illegally without my knowledge. If so I would love to see what company knowing gave my information to this company without my consent. And I would also like to see an itemized bill to know how much this alleged debt was purchased for. Also if an account is allegedly in collections it can not be reported as open. There seems to be numerous violations here.
Product: Credit card or prepaid card

Hello, On XXXX XXXX, 2021 I asked for a loan to Chase Bank for {$5000.00} Through my Credit Card and I told with a representative of the Bank for 2 hours about the loan and the interest I will pay to the Bank. He told me that the APR WILL BE 10.99 % and all the interest that I will pay to the Bank will be {$900.00} and that my Payment will be {$160.00} including ALL THE INTEREST AND EVERYTHING I SHOULD PAY TO THE BANK monthly. I Ask many times that if ALL I have to pay to the Bank monthly is {$160.00} every month and he told me YES. Also, I calculate with him how much interest I will pay to the Bank at the end of the loan when I pay off all the account. He told me that will be just {$900.00} dollars. After the first month that I payed on time my loan, I saw that they Charge me {$43.00} dollars extra and I contact them and they told me that it was an ERROR. They delete the {$43.00} dollars extra from my loan payment and they told me it will not happen again. On the next month XXXX/XXXX/2021 they charge me {$43.00} dollars extra again even though I payed on time ( the first day of the month ) {$170.00}. I contacted the Bank again and a XXXX told me that if I pay " {$380.00} they will not charge me {$50.00} or {$43.00} dollars extra anymore. I told him that my loan agreement was {$160.00} every month for the next three years but he convinced me to avoid more feeds and interest rate to pay that amount. I payed {$380.00} last month and he lied to me because they charged me {$43.00} this month too. I contact the Chase Bank Yesterday and a XXXX told me that she sorry for me but that the representative that helped me to do the loan did not " EXPLAINS ME VERY WELL ABOUT THE LOAN AND THAT NOW THEY WILL CHARGE ME BETWEEN $ XXXX {$43.00} DOLLARS EVERY MONTH. I told her that he was no fair because it was not what their representative told me when I apply for the loan. The Chase Bank XXXX told me that it was the agreement that i signed and that she can not do anything to help me. NOW THE BANK PRETEND THAT I PAY ( 50 % of the loan in interest ) {$2500.00} OF INTEREST FOR A LOAN OF {$5000.00} IN THREE YEARS. According to the XXXX NOW I have to pay {$160.00} PLUS {$43.00} ( ALMOST {$2500.00} ) just in interest of a {$5000.00} loan. I feel very disappointed and deceived with Chase Bank because it was not what their representative told me about the loan. He told that I will pay just {$160.00} every month for three year and that the Bank will earn 20 % of my loan ( {$900.00} dollars ) not 50 % ( {$2500.00} ) So please help me to resolve that difficult situation because I don't have the money to pay for that extra $ XXXX {$50.00} they are charging me every month. Thanks in advance.
Product: Checking or savings account

I am due a refund from the Wells Fargo settlement. 

My pre martial name was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX. XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, IN XXXX Dear Sir or Madam : As of XX/XX/2021 TransUnion has displayed several fraudulent accusations assuming I have inquiries made on XXXX, XXXX. XXXX and XXXX. XXXX. XXXX. I am writing to dispute the following information in my credit report file. I have attached documents that shows evidence of it not reported on the other credit bureaus reports. 
the items I dispute on the attached copy of the report I received.The information on XXXX reporting number XXXX is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the inaccurate reporting of my Michigan child support account on my XXXX credit report. According to my records, this account has been fully paid and closed with no remaining balance. Despite this, XXXX continues to report the account with a past-due balance and a seriously delinquent status, which is both inaccurate and harmful to my credit profile. This erroneous reporting is causing significant hardship, impacting my creditworthiness, and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines. Per FCRA regulations, XXXX is required to maintain accurate reporting, and if verification can not substantiate this debt as delinquent.