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

I had deposited  XXXX  checks into my us bank account on  XX/XX/XXXX   XXXX  for  XXXX  and  XXXX  for  XXXX . The funds cleared and showed available on  XX/XX/XXXX . I tried to use my debit card and it did not work even though there was over  XXXX  in my accounts. My employees were also turned away and not allowed to cash their paychecks again the accounts showed over  XXXX  available but the bank refused to allow me access to it. On  XX/XX/XXXX  they requested a copy of the customers bank account where the checks were from. I got my customers bank statement showing the  XXXX  was out of his account. Then on  XX/XX/XXXX   XXXX  at  XXXX  us bank location manager said they are closing my accounts and she is sending it to their fraud department. Then after several calls back and forth from fraud to the branch, I have been given so many different stories about when they will give me my money. They wrote me a letter on  XX/XX/XXXX  stating the account closure and my funds would be mailed in 15 days. That would have made the date around the  XX/XX/XXXX . When I called again after not receiving my money they said they are still reviewing my accounts and waiting to verify checks that had already been verified. Another story, then I called at the  XX/XX/XXXX  be still being reviewed by fraud, my branch manager said I should n't call them any more I should call fraud, when I called fraud they said the funds are with my branch manager.  XX/XX/XXXX  the fraud department said they released the funds to my branch. My branch said it hey do n't have them yet. I have lost my employees, I have lost my customer, I could n't pay my bills or my daughters   XXXX  school while us bank is playing games with my money I worked for over a month ago. How can I stay in business. This has been so   XXXX   and I have even had to seek medical treatment  for all of he overwhelming amount of pain this has caused me and my family. Please help me get my money from this dishonest bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

For my XXXX report I apparently have a balance of {$2500.00} as of XXXX but for XXXX & XXXX I have no balance. I also had an amount due for XX/XX/XXXX, but the credit limit shows I had {$2000.00}. This information is makes no sense and it needs to be handled. Also if my date of last payment was XX/XX/XXXX how can I have a delinquency the same date. The payment history shows different information as well. 

For my Transunion report it shows I have no balance for XXXX & XXXX. On XXXX, XXXX, & XXXX it shows I have a balance. 

XXXX doesn't allow me to download a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected or update. XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$23000.00}.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally notify you that I am a victim of a data breach that has impacted my personal information. As a result, unauthorized accounts have been opened in my name, and I would like to request the immediate deletion and blocking of the affected accounts from my credit report, as required under the provisions of 15 U.S.C. 1681c-2 ( a ).

Under this statute, I am entitled to request the removal of fraudulent accounts resulting from a data breach. Therefore, I request that the following accounts be deleted and blocked from my credit file : [ List of affected accounts, including account numbers if available ] I have included any supporting documentation regarding the data breach and unauthorized accounts, such as any relevant reports or statements, to facilitate your investigation and processing of this request.

I kindly ask that you confirm in writing the deletion and blocking of these accounts from my credit report, and that you provide me with an updated copy of my credit file once these actions have been completed.

Please do not hesitate to contact me at [ Phone Number ] or via email at [ Email Address ] if you require any further information or clarification to process this request.

Thank you for your prompt attention to this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XX/XX/2022 RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.

THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 

My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit-reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. , I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts. 

I demand that the following account be removed immediately : Designed Receivable Solutions HLTHGS*XXXXXXXX I know that as the consumer, I HOLD ALL THE POWER. As a ( MO ) XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. As a consumer and the one with ALL THE POWER, these inaccurate accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative. THESE INQUIRIES & ACCOUNTS ARE Inaccurate across all 3 Bureaus XXXX XXXX and XXXX. also, I certify that this request to block was made NOT in error, and My request to block information was NOT based on material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or money as a result of one or more of the transactions that I am seeking to block. If I received well and services, then please have a senior executive certify under the penalty of perjury that I in fact received goods and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ).

Also, I request that you send me a validation of all debts according to XXXX, if you can not do that then you must remove it. 

Thank you, XXXX XXXX XXXX
Product: Mortgage

I became delinquent on my mortgage in 2009 due to loss of employment. Chase Bank placed me on a modification plan which the delinquent amount was placed on the back of my mortgage in the amount of $ XXXX. Chase received the $ XXXX from HUD to pay off my late payments. Instead of Chase applying the money from HUD to the late payments, Chase kept the $ XXXX leaving me to pay the delinquent amount on top of my mortgage and still owing HUD. This was a total of $ XXXX. I paid double.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I tried to make payments using the Mysynchrony App but it stated " We are unable to complete your request at this time. Please try again later. '' I eventually went to through the online portal to make the payment. The online portal also has user interface issues frequently. The payment I made in XXXX showed that it went through. I traveled out of the country on business for several weeks. In XXXX it showed that my account was late. I made the payment and called the company trying to resolve the credit reporting issue with no luck. The last XXXX times my call was dropped while waiting on hold for more than XXXX XXXX mins each time. 

In accordance with the Fair Crediting Reporting Act, this creditor has violated my rights under 15 U.S. Code 1681 Section 602 states that I have the right to privacy.

15 U.S. Code 1681 Section 604a Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S. Code 1666b, a creditor may not treat a payment treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I have a debt with Suntrust bank. I have been trying to set up payment arrangements and they have not been able to understand that I am on a fixed income since my husband XXXX last year, so I am unable to make the payments that they have wanted. I have tried to work with the hardship program and they still want more than I am able to give them. This is affecting my credit and its not fair when I am willing to pay just do n't have much money to give them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that my student loan fell under the Cares Act law which went into effect XX/XX/XXXX and were scheduled to expire XXXX XXXX 2020. Today is XX/XX/2020. The negative report for my student loan was put on my credit report with Equifax, XXXX and XXXX. This is illegal considering the cares act law.
Product: Credit reporting

Under late payments I have XXXX reported by my mortgage company. I was under a grievance for XXXX payments and then Thru a modification process. I was instructed not to pay during this period. After my trial modification period the modification was finalized and the account is in good standing. I am requesting this be removed from my credit report
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I WAS CHECKING MY CREDIT REPORT XXXX AND I NOTICED A HARD INQUIRY THAT I DIDNT AUTHORIZE OR GIVE ANYONE PERMISSION OR AUTHORIZATION TO PUT ON MY CREDIT REPORT! IM TRYING TO ESTABLISH CREDIT NOT DESTROY THE HE CREDIT I DO HAVE! 

XXXX CREDIT REPORT COMPANY : AMEX XXXX DATE : XXXX TYPE : BANK CREDIT CARD
Product: Checking or savings account

On XX/XX/XXXX I opened a CD with Alliant Credit Union in the amount of {$84000.00} for a 1 year term with a dividend rate of 5.175 % and APY of 5.3 %. I received a Notice of Certificate in the mail from Alliant documenting this. In XXXX, XXXX I learn that my deposit was not put into a CD but only a savings account earning a lower interest rate. I've attempted to resolve the issue with Alliant without success.
Product: Debt collection

This company Hunter Warfield has been reporting a debt that they say that I owe for appx XXXX from I found this out around XXXX of this year ... I sent them a copy of my current lease on XX/XX/2018 along with a copy of my utility bill and other information and a copy of a signed affidavit of identity theft .... I requested that they remove this from their files permanently and delete it from all of the credit bureaus they have reported it too. I included a copy of a letter requesting an investigation of the information that they have according to section 623 et. seq. of the fcra and that was on XX/XX/2018 I have since not received any of that information and they continue to report this after I have provided them information that I was never at that address ... at this point as I understand it they have violated the fcra and this is my last effort before securing legal representation on this matter. as I understand that this is from a rental of a property that I do not live .... I have also provided this company with as much information as I can regarding my identity being stolen and the fraudulent addresses accounts, including utility, insurance etc ... that were fraudulently opened .... accounts and addresses that just came out of the blue ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what is going on at this company but they are putting anything they want into peoples credit reports. 

They are reporting that my home loan was included in my bankruptcy from XXXX when it was not. 

I just sold my home in XX/XX/XXXX. It has never been a part of my Bankruptcy proceedings. 

I have attached a copy of the following documents as proof of what I have just stated : 1 ) Closing Disclosure-XXXX 2 ) Adjustable Rate Mortgage Stamped Paid Off-XXXX XXXX ) Release Of Lien from The XXXX County MO Recorders Office-XXXX Please contact XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX County Recorder 's Office to verify the information that I have provided above.
Product: Mortgage

I am just going round and round with lender trying to modify my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inform you again that am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Product: Credit card or prepaid card

I have very good credit and pay my bills on time I believe I owed either XXXX or XXXX cents on a bill I was out of the country I do not use this CC much when I came back I was billed for 2 times non payment then they refunded XXXX payment and said that was all they could do. So I canceled my card that day and asked what I owed and I paid the entire XXXX. I looked at my account later and it looked like I owed another XXXX cents I paid that now I have a bill of XXXX why??? They have a return check charge I have never had XXXX in my life. I do not understand they are trying to scam and when you stay on the line and want customer service they say this number does not have that. Extra points Comenity XXXX XXXX packer card.
Product: Checking or savings account

Subject : Formal Request for Reconsideration of Account Closure and Legal Compliance Dear Truist Bank Customer Service, I am writing to formally address the recent closure of my checking account. I was informed that the account was closed due to suspected fraudulent activity. I firmly state that I have not engaged in any fraudulent behavior, and I respectfully request a review of this decision.

The closure of my account has caused me significant inconvenience and concern. I believe that this decision may not have adhered to proper procedures and could potentially violate several banking laws designed to protect customers in cases such as mine. I request th
at Truist Bank reconsider its decision, provide detailed reasoning for the closure, and ensure compliance with the following legal protections : 1. Fair Credit Reporting Act ( FCRA ) : If the closure of my account was based on information from my credit report, I am entitled to dispute any inaccurate or incomplete information. I request that Truist Bank provide any relevant details about the credit information used in this decision.

2. Federal Deposit Insurance Act ( FDIA ) : Banks are obligated to treat customers fairly and in accordance with their own terms and policies. I ask that Truist Bank demonstrate how its decision complies with these requirements and confirm that no discriminatory practices were involved.

3. Dodd-Frank Wall Street Reform and Consumer Protection Act : Under this act, banks are prohibited from engaging in unfair, deceptive, or abusive practices. Closing my account without sufficient evidence or explanation may constitute an unfair practice. I request a full review to ensure compliance.

4. Electronic Funds Transfer Act ( EFTA ) : If the account closure was related to disputed electronic transactions, this law requires a prompt investigation. I request a detailed report of any such transactions and the results of Truist Banks investigation.

5. Right to Financial Privacy Act ( RFPA ) : I also ask for confirmation that my financial data was handled properly and not shared with unauthorized parties during any fraud investigation.

6. Equal Credit Opportunity Act ( ECOA ) : Finally, if this decision was influenced by any discriminatory factors, I reserve the right to file a formal complaint with federal regulatory agencies.

Request for Resolution : 1. A detailed written explanation of the reasons for my account closure.

2. An opportunity to provide evidence to clear up any misunderstandings. 
XXXX. A thorough review of this matter, with consideration for reopening my account. 

If necessary, I am prepared to escalate this matter by filing complaints with the Federal Deposit Insurance Corporation ( FDIC ), and the Office of the Comptroller of the Currency ( OCC ).

I trust Truist Bank to uphold its commitment to fairness and transparency in this matter. Please contact me at XXXX or XXXX to discuss this further. 

Thank you for your attention, and I look forward to your prompt response. 

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

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must delete the listed account from my file. 
XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Mortgage

I have tried talking to the mortgage company and ask for assistance and they will not review a short sale. I can not afford my mortgage because I lost my income and have since gotten another job but I am receiving significantly less then i was before. I need help, and I have a buyer who is willing to purchase the property. I am just asking for them to review so we can get a short sale done and i can avoid foreclosure.
Product: Credit reporting or other personal consumer reports

This company has illegally placed a fraudulent collection on my consumer report without following the law according to the FCRA. The FCRA says a collection must send a 5 day notice before a collection is placed on a consumer 's credit report. I intend to sue this company if this collection company if this is not deleted from my XXXX, Equifax and XXXX report immediately. I was denied for {$350000.00} home loan, my lawyer said this falls under financial damages. Deleted this immediately or I will have my lawyer take action right away.