23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( mailing address as im homeless ) XXXX XX/XX/year> Truist Financial Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Urgent Request for Charge-Off Reversal or Relief Due to Financial Hardship Dear Truist Executive Customer Relations Team, I am writing to formally request urgent assistance with a charge-off of {$2000.00} applied to my account, which has left me with a negative balance of {$1600.00} and a remaining balance owed of {$1300.00}. This charge has created severe financial hardship, especially as I am currently homeless and living in my vehicle. This situation has jeopardized my ability to cover essential living expenses. 

Upon contacting your customer service department, I was informed that no reversal or relief was available. Given the severity of my current circumstances, I am reaching out to respectfully request that Truist reconsider this decision. Specifically, I am asking for a reversal of the charge-off or, alternatively, a significant reduction in the amount owed to help bring my account to a manageable balance. 

This situation has created extraordinary challenges, and I am hopeful that Truist will work with me to resolve this issue. If a complete reversal is not possible, I kindly request consideration of a hardship payment plan that would allow me to gradually repay the remaining balance with reduced or suspended fees. 

Please let me know if there are any additional documents I can provide to further support my request. I am also open to discussing any other options Truist may have available for individuals facing severe financial hardship.

Thank you for considering my situation. I am hopeful for a positive resolution and would appreciate any assistance you can provide during this challenging time. 

Sincerely, XXXX XXXX Account XXXX : XXXX--
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following the account XXXX. Please investigate to ensure there is no fraudulent activity.
Product: Debt collection

Debt collector, COLLECTION BUREAU HUDSON VALLEY sent me notice in the mail to my location information in attempts to collect on an alleged debt that I do not owe. I did not give them consent to contact me and in fact I sent them notice to cease all communication with me in XX/XX/2021 in regards to an alleged debt. They are committing mail fraud by not putting the required notice on the mail that they sent to my location information through the United States Post Office. They are using language and symbols in the mail contents that they sent to me through the US postal services that indicates that they are attempting to collect a debt. They committed identity theft by obtaining my personal private information without my consent as they obtained my information from XXXX XXXX. They are engaging in conduct that is harassing and abusive by using obscene and profane language in the billing notice that they sent me. They are falsely and misleading the amount as to which this alleged debt is because it is a positive balance and a consumer can not pay on a positive balance which is also a billing error. They did not send me written notice within the first 5 days of initial communication with me containing the ( 5 ) notice of debt contents thats required under the Fair Debt Collection Practices Act, 15 USC 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. I have provided documents that can prove it.

By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Account XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I INFORMED EQUIFAX ALMOST 3 MONTHS AGO THAT SOMEONE HAD BEEN USING MY SSN NUMBER AND I HAVE HAD SOME HARD INQUIRIES THAT I DID NOT AUTHORIZED. IT HAS BEEN BOTH EMOTIONALLY AND MENTALLY DRAINING DEALING WITH EQUIFAX AND TRYING TO GET JUST A DISPUTE STARTED WITHOUT THEM GIVING ME THIS PRERECORDED DISCLOSURE ABOUT " HARD INQUIRIES BEING FACTUAL OR I NEED TO CALL THE CREDITOR '' I HAVE BEEN BACK AND FORTH WITH EQUIFAX AND THE CREDITOR FOR MONTHS. ONE IS TELLING ME TO CALL THE OTHER. ITS RIDICULOUS. YOUR GUYS ARE REPORTING INACCURATE INFORMATION WITHOUT BEING ABLE TO VERIFY IT WHICH IS CAUSING MY CREDIT SCORE TO GO DOWN. I KNOW THAT THIS IS AGAINST THE LAW AND I WILL FILE A COMPLAINT UNTIL THIS MATTER IS RESOLVED
Product: Credit card

On XX/XX/year>, and XXXX there was 4 cards opened in my name fraudulently and i was not in country that time. A family member of mine has fraudly opened four credit cards in my name without my consent. His name is XXXX XXXX. The cards are XXXX XXXX, citi bank XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I posted an item for sale on XXXX XXXX and had a scam account try to contact me and buy the item. I was unaware and desperate to get my item sold within a reasonable amount of time as I was getting ready for my move. XX/XX/2024 I was told I received my payment but that I needed to send out an additional payments to secure my funds, which lead to more money being sent back and fourth using digital money applications such as XXXX XXXX and XXXX and XXXX XXXX. These people that were in contact with me made me feel as if they were actual customer service XXXX agents and told me if I didnt comply my accounts would be suspended and deactivated due to fraud. A lot of mental exhaustion and stress that I dealt with unfortunately, and still am. The amount that was taken was {$1300.00} total. Wells Fargo never reached out letting me know of my status and never gave me documentation, regarding why it was even denied. When I first contacted Wells Fargo I was notified that I would receive information on the processing and status of my claim.
Product: Debt collection

About a few Months ago around XXXX of XXXX XXXX received an alert on my credit reports that it has dropped more than XXXX points due to an unpaid bill. When I checked my app it stated that a company called Convergent Outsourcing debt collection was trying to collect an unpaid debt of {$610.00} dollars from XXXX XXXX XXXX. I notified both the original company and collection agency that this was down without my knowledge and permission. The company is a utility company out of XXXX Texas and I informed the manager that I'm from XXXX XXXX and never lived in XXXX. They gave back the information that contained my social security number which I never gave out and told them this was a mistake since I've lived in XXXX XXXX for most of my life. I also filled out an identify theft report from the the trade commission back in XXXX since I thought it would be resolved and showed it wasn't when i went to a bank to apply for a credit card and was denied due to the identity theft which showed I had and unpaid balance that went to collection which is why I was denied. Im trying to apply for credit or even plan on getting a new car but due to the collections report that isn't mine its causing alot of stress since my record shows owed debt that is not belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are all reporting bankruptcy on my credit profile. I've disputed this information they continue to report inaccurately without validating the information.
Product: Debt collection

Wakefield and Associates ( XXXX XXXX XXXX ) Amount XXXX Amount XXXX I went to see this doctor they advised me the date of the appointment they could not offer the services I needed so I left without seeing the doctor. I also had Insurannce that would have covered this. This is affecting my credit bad. I have disputed this with XXXX  and no action was taken.
Product: Mortgage

I fell into a hardship during covid and was out of work with no money then unemployment for a little bit and now I am working since XX/XX/2021 and I just got a better job. I have applied twice for a loan modification and was told I was denied because I had a loan modification right before the pandemic but wasnt able to keep up with it when I fell into hardship. I made {$2500.00} a month after taxes and only have about {$500.00} in bills in each month. I can definitely afford to pay. There is no reason they shouldnt give me a loan modification again. I dont want to lose my house. Its me and my son here and its our home. I can afford to so I dont know why they are rejecting me and Im scared Im going to be XXXX  soon.
Product: Credit reporting or other personal consumer reports

I sent XXXX a letter requesting they verify my account information. They responded on XX/XX/24 that the account has been sold to Velocity Investments LLC. I then asked them to provide me with my account information and how they went about verifying my account and they only referred me to Velocity Investments LLC for more information. The issue is that Velocity Investments is not reporting any account to the Credit Bureau, XXXX  is the one reporting the information to the Bureaus.
Product: Checking or savings account

My name is XXXX XXXX please add this new complaint to CFBP case number XXXX I need dispute claim XXXX amount is {$270.00} to be reopen or appeal to be reopen and investigate again because I disagree with the old decision on it and send me the new decision for it and do the same thing for the other claims thats is open still in investigation reopen them and investigate again and give me the new decision for it and do the same thing for the denied ones too and look at my attachment below please and let me know how many dispute is still open for investigation and for the claim amount for {$270.00} put the credit reverse on hold from XXXX until they have a new decision on it or put the credit back into my account for {$270.00} or give me a onetime credit for {$270.00} because I need that amount really badly checking account number is XXXX and saving account number is XXXX because I already give yall dispute the information yall needed for the dispute claim saying I never received my service etc and provided me a onetime credit for that amount because my account is already closed out by yall and I cant pay it back because I am going though financial struggles issues and financial issues and hardship issues right now and send me proof when yall credit permanent credit the account and send me my balance for the checking and saving account etc.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particulalry in light of recent cfpb lawsuit hifhlighting significant issueswith the platform. Despites using zelle numerous of times and reporting discrepancies, my financial institution and zelle failed to investigate my claimsadequately. They informed me that recovering lost funds was imposible and that tracking these transactions was unfeasible. The CFPB 'S findings indicate that zelle has not onlyneglected to protevt consumers but has also allowed repeate offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

My account with Robinhood bank has been blocked. According to them, I am accused of having committed violations. Despite this, they do not explain exactly what articles of violation I they are referring to. Furthermore, access to my account has been restricted. As a result of their actions, I have informed the Associates at the company that I am suffering and that their actions are adversely affecting my life. I am traveling overseas and they have deliberately denied me access to money to get home. With my Veteran Benefits deposited into my account, I am entitled to my benefits as a veteran. As a brokerage account, the account is used for trading stocks. As of right now, I have options open and funds available for use in my account, but restrictions remain in place. They illegally withhold funds from me. Please understand, I reserve all my rights and do not understand their policies.
Product: Checking or savings account

On XXXX XXXX  2023, I opened 2 online account via Citibank online, transferring XXXX and XXXX respectively to checking and savings accounts, waited 5 days for the funds to clear and then tried to create 2 Certificate of deposits to 90 days and 30 days, which I Attempted to fund but was unable to fund for some unknown technical reason. I called Costumer service and someone explained that those CD were faulty and were going to disappear after a few days and he created another for XXXX which was to be funded in 5 days, he also transferred all the monies in the savings XXXX back to checking. On XX/XX/XXXX, I intended to complete all the features of checking account and created a XXXX XXXX to myself and attempted to transfer back XXXX to my XXXX account, at this time I got locked out of the account, claiming security reasons. I spent 2 hours on the phone and was able to unlock. Next morning, Friday XX/XX/XXXX I attempted to log in and was completely blocked again, I called and was informed that the accounts were in process of being closed and it would take 6o days to get a check in the mail. I went in person to a nearby branch and Costumer service XXXX XXXX attempted to unblock the accounts unsuccessfully and online Security and Fraud Prevention dept were unable to give a reason for the closing or a legal basis for not disbursing the funds immediately. 
Manager, XXXX XXXX intervened and after a 3 HOURS was able to unblock and I was instructed to create a new username and password, issuing a temporary ATM. We verified that it was unblocked at the bank. I received an email from Citibank indicating all was good and the attempted XXXX transferred funds to my XXXX account was released. 
This morning Sat XX/XX/XXXX, I attempted to access my accounts and I am again blocked, I called the number indicated and they claim no know nothing of the reason. 
At this time they are holding XXXX in a 9 month CD, a credit card I had for 7 years and XXXX in a checking account. I am unable to access my accounts or get information about it.
Product: Checking or savings account

I would like a investigation completed in what is taking place with my XXXX XXXX. I need access to my funds immediately and any fees added due to this issue- refunded. I would like the cfpb to provide their investigation and any fines that Capital OnE would be responsible for
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that 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 the 3 credit bureaus 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 remove these files. XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the credit bureaus feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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, 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 Acct # 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: Vehicle loan or lease

Wells Fargo charged me for loan and i overpaid for {$17000.00} for car that was only worth {$9000.00}.
Product: Bank account or service

On  XXXX   XXXX ,  2017  - I tried to open the  Citi ch ecking account with a promotion offer. Completed everything and account was opened. I provided my  XXXX  bank credentials also to deposit $  XXXX  but it did n't worked. Then i provided  XXXX  routing # and account # of my   XXXX   bank account. I was told that w ithin 2-3  business days trial debit/credit will happen. It never happened. Later I go t one e mail to send the signature card. I tried sending it by fax - fax failed on both the fax numbers.
Product: Credit reporting

I had XXXX accounts disputed and they were removed from my report now a new company reported my old debt back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 the first letter was sent to the XXXX bureaus asking for an investigation on the following account " XXXX XXXX XXXX '' Account # XXXX in the amount of {$2500.00}. I sent a letter to the collection company asking to please verify this account. No respond was received within the 45 days after the letter was delivered. There was No written notice from any of the Bureaus informing me of the result of the investigation. Recently, I noticed a discrepancy in the balance amount. This amount has increased every month for the past 3 months. I'm requesting assistances with inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX monitors illegal internet sites on the dark web and notifies me if a match to my personal information is detected. Unfortunately, my Social Security number ( SSN ) has been found on the dark web. 

It may not mean I was a victim of identity theft. However, identity thieves can use my SSN in a variety of ways including to apply for credit in my name, file a fake tax return or obtain medical care. It can also be used to steal Social Security or unemployment benefits or provided to law enforcement in connection with a crime. 
Additional Info Details First Name : XXXX Last Name : XXXX XXXX : CA Zip : XXXX Phone Number : ( XXXX ) XXXX Social Security Number***-**-**** DL Number******** DL State : CA Potential Site : XXXX  - XXXX XXXX XXXX XXXX XXXX  Records Found On XX/XX/XXXX D.O.B. : XXXX. FOUND Found WithSOCIAL SECURITY NUMBER. I have contacted XXXX  fraud department and was made aware of the 5 numbers listed under my name, none of which I have had direct access to only one was active. 

XXXX XXXX fraud department these are not active but were in the past. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I'm reporting suspicious activity on my credit report. I received a credit alert from XXXX showing a hard inquiry from FIRST HELP FINANCIAL, but I haven't applied for anything in over 8 months. I believe this may be fraudulent activity. Please assist me in removing any unauthorized inquiries and activity from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have 3 fraudulent Unauthorized UCC1 on my XXXX XXXX XXXX Credit Report. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these 3 Account are unauthorized and fraudulent.