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

Dear CFPB Representative, I am writing to formally lodge a complaint against Truist Bank for what I believe are multiple violations of the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations. I have been a customer of Truist Bank and, in the process of managing my accounts, I have encountered several issues that raise concerns about the transparency, fairness, and legality of their practices. 

On XX/XX/year>, I was charged a maintenance fee of {$12.00}, despite having an agreement with a Truist representative, as shown in the attached conversation, that my credit card would prevent any maintenance fees on my checking account. This fee was unexpected, misleading, and contradicts the information provided to me by Truist Banks representative, XXXX, during a chat session on the same day. 

In this chat, XXXX assured me that as soon as the credit card was linked to my account, no further maintenance fees would be charged. The fact that I was still charged this fee suggests that Truist may be engaging in unfair or deceptive practices by giving conflicting information to customers and then charging unexpected fees. I believe this action qualifies as an unfair and deceptive act under the UDAAP regulations. 

Furthermore, I was informed by the representative that an additional checking account had been opened accidentally. This mistake was acknowledged by Truist, but I now request the closure of all accounts tied to my name due to the ongoing miscommunication, errors, and unauthorized actions taken on my accounts. 

I am formally requesting the CFPB conduct a full investigation into my account history at Truist Bank, including a detailed review of all fees charged to my account. I also request a full refund of any fees that may have been incurred as a result of Truists deceptive practices, including the {$12.00} maintenance fee charged on XX/XX/year>. Additionally, I seek compensation for the stress, frustration, and inconvenience caused by these practices. 

I would appreciate the CFPB investigating Truist Banks practices, particularly in relation to the following : 1. Misleading information provided by their customer support agents regarding maintenance fees.

2. Unfair and unauthorized account creation without my consent or clear notice.

3. Failure to provide accurate and clear communication about the terms and conditions of account maintenance.

I am attaching screenshots of the transaction details and the chat session with the Truist representative as supporting documentation.

Please investigate Truist Banks potential UDAAP violations, and I request immediate action to protect other consumers from encountering similar issues. 

Additionally, I am requesting the closure of all my accounts with Truist Bank due to the ongoing issues and the frustration caused by their deceptive practices. 

Thank you for your time and attention to this matter. I look forward to your response and any actions that will be taken against Truist Bank. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. Managed by XXXX XXXX filed a judgment and it was paid off and I would like the judgment removed from my credit report. 
The judgment was satisfied on XX/XX/year>
Product: Debt collection

When I spoke to agent on phone and told them I did n't have a job they said well that 's my problem and now they are going toctake legal actions against me. They wo n't stop calling my cell phone and refuse to stop harassing me. They have been calling even my mothers cell phone and work phone.
Product: Credit card

I disputed the information that Macys is reporting on my credit file, they have that I made payments to them up to though the XX/XX/XXXX year. I stop making payment to them on XXXX XXXX, XXXX because I was not working for a number of years. I contacted Macys and it was stated to me that the account had reached its statue of limitation therefore it was deemed uncollectable. I disputed the information to macys prior to my conversation with them and never heard back. I sent the same statements to the credit bureaus and mays did not change the reporting, I attempted several times. My final payments is XXXX XXXX, XXXX therefore the account should have been considered delinquent as of XXXX XXXX therefore my seven year reporting period should end in XXXX XXXX. XXXX have my seven year reporting period ending in XXXX of XXXX. I have the supporting documents for this. Also keeping in mind this is an individual account and no one else had authority over this account.
Product: Debt collection

AFNI XXXX in XXXX IL. opened collections on XX/XX/2020 for a XXXX past bill of {$310.00} which i do not deny because of terrible service and had planed on paying. 2 months later XX/XX/2020 i seen a derogatory statement on my credit report. Which dropped XXXX score 48pts. I have worked so hard to get near 700 so i can move. I called them to explain that i have not worked since XX/XX/2020 because of Covid Virus shut down most work in Michigan and i have not been back yet. I asked why did you do this now during the Virus. This person i talked to is in Illinois and went on to say most people in Mi. are back to work LOL. They went on to say the reason i am not working is because i do not want to work i said really, I guess you have not seen unemployment numbers in Mi.. I got mad and hung up my bad i guess.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts appeared on my TransUnion credit report. On XX/XX/year>, I submitted a dispute to TransUnion, providing all necessary documentation, including a police report and an identity theft affidavit, in compliance with the Fair Credit Reporting Act ( FCRA ) and the California  Consumer Credit Reporting Agencies Act ( CCCRAA ) ( California  XXXX XXXX XXXX ). Despite fulfilling all legal requirements for a proper dispute, TransUnion failed to block or remove the fraudulent information. 

Under California XXXX XXXX XXXX ( k ), TransUnion was required to block the disputed accounts within 30 days of receiving my identity theft documentation. Additionally, under California XXXX XXXX XXXX ( a ), TransUnion is prohibited from reporting information they know or have reason to believe is inaccurate. However, the fraudulent information has remained on my credit report. 

As a direct result of XXXX failure to remove the fraudulent accounts, I lost a job opportunity in XX/XX/year>, as my employer relied on an inaccurate credit report when making their hiring decision. This failure caused significant financial loss and emotional distress.
Product: Credit reporting or other personal consumer reports

I noticed on my credit report there are unauthorized inquiries XXXX : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX Transunion : XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX : XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. 

Account name XXXX XXXX XXXX XXXX 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 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: Credit reporting

There is a delinquency on my credit report and it does n't tell me where it has come from.
Product: Credit card

On XX/XX/XXXX Chase credit card company mailed me a check that i can deposit to my bank with 12 or 18 month, until yesterday, i login in to my account and realize that chase credit card company charged me {$20.00} balance transfer interest. Every month, chase notify me by email when monthly payment due day and also notify me due day before 5 days and i do n't know why chase did not notify me when the balance transfer interest will start on XX/XX/XXXX. I called them up last night and i was told by them that there has a message on the last page of the statement ( total XXXX pages on the statement ), there total XXXX pages at statement and it 's small words on the last page that told the balance transfer will expired on XX/XX/XXXX. If they can notify me through email that my monthly will due in 5 days and why should n't they notify me by e-mail that my balance transfer interest will expire on XX/XX/XXXX. This is very tricky and chase credit card has to stop doing this. I have no problem to pay this {$20.00} interest but they have to stop doing this way as it 's affect so many people. if they notify me earlier and i can pay off that amount before interest expired.
Product: Debt collection

I need XXXX to act as arbitrator in this case where the original lender and collection company evade their responsibility, thus damaging the client. Then the response of one ( Mobiloans ) and another ( XXXX )
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft pursuant to 18 USC 1028A. My personal information was exposed in the Equifax Data breach.
Product: Credit reporting or other personal consumer reports

I recently at a copy of my credit report and noticed several inaccuracies on my accounts. These accounts are hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the accounts I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Discover appplication number XXXX I was notified by Discover that I qualified for the balance transfer special through their Discover IT card. I submitted an application and the application was denied. I asked the representative why the application was denied when I was notified I was pre approved and the representative stated " I am not sure ma'am you will receive a letter in the mail regarding the reason your application was denied. I waited for the letter to come in the mail and letter cites the following reasons : High balance on all revolving accounts, number of open revolving accounts with hig utilization and high balance on newest installment loans. 
I would like to highlight that I currently hold a credit card with Discover. Therefore, Discover is aware of my utilization rates, credit accounts, and my credit score. I assume that is the reason I was screened " pre-qualified ''. However, being denied for a card I was told I was pre-qualified for, is misleading. 
Please keep in mind that I have not missed a payment on any of my credit accounts and I have received a pay increase with my employer. I applied for the card because I was told I " prequalified ''. Also, with a balance transfer, I am not creating any new debt. A balance transfer would allow me to consolidate existing debt and place me, in better financial standing. 

In addition to the balance transfer application being denied, I logged into my Discover account and received an advertisement stating I have been " pre approved '' for a consolidation loan. I am notifying the regulatory agency because the company has failed to rectify the matter and continue deceptive practices. As a consumer, I find Discover 's practices to be distasteful because of the heavy penalty I now have to pay. As a result, my credit score has decreased.
Product: Credit reporting or other personal consumer reports

The following account was charged off as of XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. Also the balance is increasing every month to a charge off account. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. You failed to reinvestigate my credit report properly. 

Account : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I paid XXXX XXXX group on XX/XX/XXXX for a medical debt of XXXX ( give or take a few dollar/change ). They informed in at that time as soon as transaction as done they would inform the credit bureau to remove it from my credit report. I paid for my credit report days later which showed debt solutions as the company holding the medical debt not XXXX I then called debt solutions who stated they held the debt and I need to pay them in full. I requested the original bill explained I paid it off with another company. They gave me an email to send a validation letter to confirm so they could dispute payment. I spoke again to XXXX XXXX  on XX/XX/XXXX requested a validation letter informed them another company stated they owned the debt and was also demanding payment. Was sent validation letter on XX/XX/XXXX. Emailed letter to debt solution, called to confirm they received letter so they could remove debt as it was paid. They stated they had to send letter to yet another debt agency XXXX XXXX XXXX XXXX to confirm letter was valid and ask if they wanted them to remove the debt from my credit report. This is three companies claiming my medical debt when its been paid to one. I have the letter proving its been paid. Attached will be the letter
Product: Money transfer, virtual currency, or money service

I am filling 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. I'll furthermore like to add their dispute 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: Credit reporting, credit repair services, or other personal consumer reports

97. Inquiries by XXXX XXXX that is not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a capital one rep that agreed to not report my Credit card payment late due to covid. Sadly they lied. I called them to let them know that it still showed on my credit and I was disappointed by this because I was informed that it wouldnt. I was then told its nothing they can do but I can file a dispute. The account is paid in full as I told them it would be before the next bill was due. I would like for the late payment to be removed because I was told i would not be penalized.
Product: Student loan

On XX/XX/XXXX, I submitted an online payment to Navient to pay off in full the remainder of my student loans. The same day, I also cancelled auto-pay because I was afraid that Navient would continue to process the auto-pay, even though the loan was paid off. 

On XX/XX/XXXX, the payment in full was removed from my bank account AND the auto-pay was also removed. The in-full payment was on the Navient site listed as " processing '' but the auto-pay was not listed at all. I called and spoke with Navient and they told me that the auto-pay would *probably* post in a couple of days, but that a refund would be 3-4 weeks. They further said that auto-pay often takes 5 days to cancel, but no where on the website did it give me any such warning at all. 

I paid it off in full, INTENTIONALLY cancelled auto-pay, and they STILL charged me and won't return my money for 3-4 weeks. Money that they STOLE.
Product: Debt collection

I sent a debt validation letter to XXXX XXXX for a second   time demanding validation of this debt. The original creditor is XXXX and the account was opened in Pennsylvania. I have never had a residence in Pennsylvania nor have I, or anyone that I know, ever resided at the address on the bill that the collection agency has sent me. I have never been associated with any of the phone numbers listed on the bill either. I also have never had cell service with XXXX. The collection agency keeps sending me copies of bills and to my knowledge, that is not an acceptable form of validation. I believe this account was opened in my name without my knowledge or permission. I am in the process of attempting to purchase my first home and need this issue resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of incorrect information was unknown and erroneous. The information were pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following information 's be corrected and removed accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Contacted Bank of America after being told I could never open an account. I was robbed have proof that supports my claim. I have gotten nowhere. My next step will be to have my lawyer file intent to sue letters, in which I will seek to have this resolved if not done so in a timely manner.
Product: Debt collection

This company is sending me notices on a debt I do not owe. I requested validation and received which clearly states I do not owe. Please see attached. I would like them to cease all collections and remove this remark
Product: Checking or savings account

USAA closed my account but they didn't send me all my money. They overnighted {$1000.00} of my money but I had {$1300.00} left in my account. I don't appreciate them not sending me all the money that was in my account. They knew I had {$2300.00} but only chose to send me {$1000.00}.
Product: Checking or savings account

I did receive credit to my account for the amount of XXXX from a local store called XXXXXXXX XXXX XXXX For groceries that were undesirable and were sent back, I was credited the amount of XXXX by said Store as well as from Wells Fargo Bank. For the last few days, the Money disappeared from my account. Called them numerous times and was given the run around by the Fraud dept. claim Number XXXX. Will also be putting in a complaint against the store that was supposed to be credited back my Money in the said amount of XXXX There is no transaction on my account anywhere of that amount, it just magically disappeared I know how much money I had in my account, and Wells Fargo just wiped it off of my account. I have been with this Bank for fourteen years, and as soon as this is taken care of I am closing my account with them. Bank Fraud on their part.
Product: Mortgage

I received a notice from NationStar stating that I had a shortage of XXXX I called Nation Star spoke with XXXX in customer services on XX/XX/2017 at XXXX I asked to speak with an escrow specialist he said he also work wit the escrow I made him aware I was recording the calls because I have had issues such as this problem before. I asked him again was he a escrow specialist, he then connected me to the escrow department spoke with XXXX. I advised her that I was recording our conversation was that ok with her she did n't have a problem I explained to her what the issue were on XX/XX/2017 I sent the shortage in which I was informed I owed XXXX and also XXXX dollar to different payments mailed in separate for my mortgage payment I sends in XXXX to XXXX dollars extra toward my mortgage. I was informed they both went to the principle she could not figure how to repair the problem I then was informed by XXXX a team leader would be working on this issue I asked her what was the person name that would be working on this issue she said XXXX or XXXX the teat lead. I waited I did n't speak with either person I then went on line to check and things were change that I owe more I talked to Anothey I informed him I was recording our conversation he said I can run it again it would be different I told him that is not what I 'm calling for I do n't need to be ran again he said he did n't run it again and told me my shorted was XXXX I said no that 's not true I also have it recorded I owe nothing as far as a shortage every time I go back Nation Star is informing me that I owe more money on my shortage I send extra money in toward my principle and they still are making mistakes on my payments .I have also pay for XX/XX/2017 what would be there next mistake something needs to be done about this issue. If they need extra information I have it recorded.
Product: Debt collection

I have filed FEDERAL TRADE COMMISSION ID THEFT AFFIDAVIT, REFERENCE NO XXXX regarding DEPT. OF EDUCATION ACCOUNT XXXX appearing wrongfully, solely on my EQUIFAX CREDIT REPORT.I HAVE NOTHING TO DO WITH THIS LOAN, OTHER THAN THE FACT IT IS APPEARING ON MY CREDIT REPORT.IT IS NOT MINE.I NEITHER APPLIED NOR RECEIVED ANY BENEFIT. 
At this time there have been a combination between 15 and 20 disputes to Equifax and complaints with the CFPB TO EQUIFAX..BOTH THE FURNISHER AND REPORTING BUREAU ARE NEGLIGENT AND DESERVE SEVERE PENALTIES TO BE OBTAINED BY THE CFPB..NEITHER THE FURNISHER NOR THE BUREAU ADHERES TO DODD-FRANK OR THE FCRA REGARDING THIS ITEM.