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

Truist is in violation of the Expedited Funds Availability Act. In XXXX of 2022 I was told that a check that was deposited was not honored and my account was going to be closed as a result. Since then, Truist has continued to send me statements reflecting a positive balance in the account that was supposed to be closed. I called Customer service on several occasions to find out why I was receiving statements that reflect the check was honored. Truist refuse to release my funds and the only solution offered was them telling me to ignore the statements and that they would try to stop the statements from coming. 
Truist refuse to close the account attached to my name and it's been over a year and Truist still won't release my funds by closing the account. They are trying to keep my funds. Truist has provided no valid information as to their reasoning to extend holding my funds for over a year. A positive balance reflects the check being honored.
Product: Checking or savings account

I deposited {$75.00} into my cashapp acct. Later I received notification that a charge for {$33.00} was decline. Upon checking Cashapp, my balance reflected {$18.00} but there were no withdrawls showing the reason for it no longer being {$75.00}. I spoke with support who claim a technical error happened from a XXXX charge on XX/XX/31 for {$53.00}, along with an XXXX charge for {$4.00}. They claim that while the orders were successfully processed on the merchants side, the funds were accidentally put back into my account and now they were settling up those amounts. But the funds for the charges were taken out when the charges were created and at no point did this {$57.00} reappear in my account as they claim. As it stands Ive been charged twice for these orders. This is apparently happening to thousands of other individuals as well and Cashapp is refusing to assist, not accepting disputes on the charges, not informing anyone prior to taking the funds nor are they informing that this is an error until you reach out to them after theyve already taken your money!
Product: Student loan

I do not know who this lender is and do not recognize the account. Further, they keep reporting these accounts as being in good standing with payment terms met and/or that the loan is in deferral, but I have not requested any deferrals from this company, nor have I made any payments on these loans. We filed XXXX XXXX XXXX and it was discharged in XXXX. All private education loans were included in the bankruptcy ( as they were not qualifying bankruptcy exempt student loans ) and if these loans are mine ( which I also dispute since I don't have any record of having these loans with this lender ), they should have been discharged along with the other consumer loans that were included in the bankruptcy. Even if the loans were not qualified under the bankruptcy, the loan 's first date of delinquency would have been prior to filing the bankruptcy AND far more than 10 years have passed since that time ( the bankruptcy isn't even on our credit report anymore it has been so long ). For example, older copies of my credit report show the loan being 180 days past due and " charged off '' in XX/XX/XXXX, with a status note that the account would continue on record until XX/XX/XXXX. I have also disputed this several times with the credit bureaus, including in XX/XX/XXXX, at which time an account with MRU was deleted from our credit reports as a result of the dispute. I don't know when the loan was transferred to AES, as I have no record of that ever occurring, but clearly AES illegally put the loan back on our credit reports. 

I believe that this company is deliberately falsely reporting the loans as being in good standing to avoid the loans dropping off our credit reports and to circumvent the statute of limitations for collecting the debt. I have requested proof that the loans are indeed mine, along with proof that this lender owns the rights to collect the debt and proof that I requested deferment status on the loan/made payments as agreed since that is what they are reporting to the credit bureaus. The company never provided the information to me. I believe they are deliberately breaking the law by falsely reporting this debt and not providing any information I requested. While the status of the loan doesn't have a negative impact on my credit, the balance certainly does. It prevents us from qualifying for loans that use DTI ratios in their criteria and has caused significant financial harm from how it affects our credit scores and ability obtain credit. Similar companies have been subject to investigation/class action lawsuits for violating credit reporting laws and attempting to collect debts that were XXXX in bankruptcy ( for example there is a current settlement going on for a lawsuit against XXXX Solutions for this exact thing ). I believe XXXX/MRU and XXXX/CSLT are doing the same thing. Please investigate this matter further. I have tried disputing this with the credit bureaus and nothing is being done.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ), and a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX )., These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All 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 of the aforementioned consumer
Product: Debt collection

I was contacted at work regarding a debt that I owe to DIRECT CASH ( a online loan company ). The lady stated the she was from a collection agency name : XXXX XXXX XXXX, XXXX, she gave me a case # XXXX, Account # XXXX, and if I didn't set up payment arrangements, I would be served legal paperwork at my place of employment. Since this happened at work, where I was busy, I had set up payment arrangements, because the lady had a fake process server call me at work, to threaten me to set up payments. I later verified through my bank, that the payments were going to a company named : XXXX XXXX XXXX, XXXX XXXX, FLORIDA. I BELEIVE THAT I HAD BEEN SCAMMED. I BELEIVE THAT SCAMMERS ARE CONTACTING PEOPLE AT WORK NOW.
Product: Debt collection

After obtaining my consumer reports, I noticed on my XXXX report that there is an unpaid account from Clark County Collection. Under " Loan Type '' it states that they are a " COLLECTION AGENCY / ATTORNEY '' ( All Caps ) as if they are trying to get my attention. I am not aware of who this company is and why they are trying to collect a " debt '' from me in the amount of {$460.00}. I have never received any written documentation from Clark County Collection regarding the validation of this " debt '' or how to dispute ; it just appeared on my consumer report. I have tried to obtain information from XXXX, but of course, XXXX says that they have " Verified and Updated '' the " debt '' ; and did not send me any documentation on the verification. Validation and proof of this " debt '' is requested in accordance with the Fair Debt Collection Practices Act, 15 U.S. C Sec. 1692 and as amended by adding the following new Title 8 U.S.C Sec 802 et seq., and the Fair Credit Billing Act, 15 USC sec 1666 et seq. ; all of which work in conjunction of each other, including the Truth in Lending Act ( TILA ) 15 U.S. C 1601 et seq. It is not my intention now, nor has it ever been my intention to avoid paying any obligation that is lawfully owed. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify/ validate the " debt ''. This is not a request for verification or proof of the mailing address of whom you say owes the " debt '' ; but a request for validation of the " debt '', including any original contract in accordance with FTC guidelines. This debt is considered invalid until such validation is provided. Further, If Clark County Collection fails to provide this information in a timely manner, I request that this account be deleted and completely removed from all consumer reports.
Product: Student loan

I am restarting loan payments on and income driven repayment plan working in thr public sector. I submitted my application and they wanted different income information so I submitted it several times since XX/XX/XXXX and I have not heard anything back. I just want to make payments again so I can move closer to public service loan forgiveness. The hold time is 4 hours when I try to call them and I have sent 3 secure messages to them with no response. 

If they will not allow me to pay them they should at least allow the last 2 months to count as payments so I can continue to make progress. 

I just want to make payments on the new SAVE plan which I qualify for. Their delay in processing affects me financially. 

Thank you for your assistance. 

XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXXXXXX XXXX Account # XXXX Account name : XXXX XXXX # Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX has violated my rights. 

I reviewed my XXXX, XXXX and Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

Wells Fargo dealer svc account has been closed previous year a derogatory note has been put on my credit XX/XX/2023 account has been closed since XX/XX/2XXXX XXXX
Product: Money transfer, virtual currency, or money service

First week of XXXX PayPal froze the funds in my account due to suspicious activity but refused to tell me exactly what. I tried to resolve the confusion because I knew I wasn't doing anything wrong by my boyfriend 's mom sending me money. They limited my account for 180 days no explanation. Once the 180 days was up they sent me an email saying my funds were finally eligible to withdrawal. When I tried to do that it wouldn't let me. I've emailed PayPal asking for help and only get responses saying i can't use PayPal and they can't tell me anything else. When I've called PayPal they also told me they won't release my money and can't tell me anything else. I don't know what to do. Over 700 dollars that is legitimately mine and they refuse to help me and are robbing me it feels like. Please help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this due to whom ever it may concern There has been a case of bad studies coming from the other credit bureau XXXX, trans union & XXXX By the fair credit reporting act And metro 2 compliance And it standards This account does not reach the requirements to be reported States by your policy department So with the information on this account being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting act
Product: Mortgage

Please see previous complaint regarding this issue The company blatantly lied in their response with incorrect information about the situation Previous Complaint number is XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage A copy of the companies web site which a form was submitted for the favor on credit was submitted This also being filed with the office of the comp controller I resent your sarcastic tone and the lies written in your response. 
I despise passive aggressive behavior and liars. 
But thank you Because now I have written proof to file a complaint with the comp controller You may think its no big deal lying and throwing the blame back on the customer all with a immature child passive aggressive attitude. 
Not sure whom wrote the response but they should not represent your company. 
This is no way is how a professional company should respond to anyone Ever! 


1. Never did I ever say the tax shortage was not shell points fault You have a open escrow account for my mortgage It is your responsibility and fault if taxes and or insurance does not get paid in a timely matter. 

2. I have proof I am providing that I most certainly did send the proof of of the tax shortage immediately after I called and spoke to the rep and requested the escrow department look into the account Also I hate to be misquoted I said in 2013 way before your company was involved with my mortgage I had a lien from my association for a laughable 50 dollars but to remove was a process not worth repeating!!!!!!!! 

I ado said that your very own website says that you can do a one time favor for credit reporting Which a rep told me that you were able and since this was the first request I was more than likely to have that granted I am also providing proof of this Which by the way destroyed my credit and my sons summer semester Because!!!! 
I was in the middle of a loan when my score dropped 48 points! 

But when the obvious immature spiteful Im guess from the complaint got ahold of my request they denied it. 
And the rest is obviously easy to see because how the response was written 3. As stated in your letter with your sarcasm You wanted us to thank you for the lien not being placed And your double talk about the credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries that were placed on my consumer report.
Product: Debt collection

I received paperwork in the mail that is just computer generated account bills which have my name on them, but I also obtained, through my own sources, the same paperwork of several individuals. Other than the names being different, the rest of the paperwork is identical. It is either fraud on the part of Capital One Bank, or it is major oversight on their part to protect stolen identities.
Product: Mortgage

Carrington Mortgage Services ( CMS ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX CA XXXX Carrington has countered the buyers offer to $ XXXX. They have not done an interior value done on the property. They are simply averaging the XXXX, XXXX, and XXXX estimates online. XXXX shows value at $ XXXX and XXXX shows it at $ XXXX THE ENTIRE REAL ESTATE INDUSTRY KNOWS THESE VALUES ARE NOT RELIABLE. 

Additionally, after several discussions with XXXX XXXX and the rest of Carrington and reminding them that we, RE XXXX XXXX is the primary contact and authorized negotiator chosen by their borrower, they are still refusing to contact us to discuss the short sale. 

Carrington has not done their due diligence in their valuation review. I want an interior value done and I want the foreclosure date postponed to allow for the short sale review.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

XXXX  charged me for a service they didn't provide they put the money back in my account Citi group still charged me I contacted them they claim XXXX is still trying to claim That's a LIE.I HAVE CONTACTED CITI CARD THEY CLAIM SINCE I HANDLED IT MY SELF I HAVE TO HANDLE IT!!!! I demand CITI SEND ME ALL TRANSACTIONS SINCE XXXX TO XXXX TRANSACTIONS.I can prove BEOND A REASONABLE DOUBT I DON'T OWE THIS.I HAVE WASTED OVER 5 HOURS WITH CITI DISPUTING THIS MATTER THAT TOOK ME 2 MINUTES TO SOLVE!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a copy of my First Advantage consumer report that was furnished to XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX for employment screening purposes. The report included educational history verification and incorrectly states that I did not graduate from XXXX XXXX  XXXX University. 

To show that I graduated from XXXX XXXX  XXXX University with a XXXX XXXX XXXX ( XXXX ) in XXXX XXXXXXXX XXXX  XXXX on XX/XX/XXXX, I provided First Advantage with a copy of my university transcript. 

Additionally, the university provides free online degree verification through the registrar. I provided the URL to this service as well as the key that would allow First Advantage to electronically verify my credentials. 

On XX/XX/XXXX, First Advantage denied my dispute, writing that [ we ] have completed our reinvestigation of the disputed information and have verified that the original information provided on the background report was reported accurately. Therefore, no change has been made to the background report originally produced. Additionally, the letter sent to the wrong address. 

The outcome of First Advantages reinvestigation of my dispute is clearly erroneous. A cursory examination of the documents I provided would prove that my claims of possessing a bachelors degree are correct. First Advantages failure to correct the information on my background report is a per se violation of the Fair Credit Reporting Act. 

Additionally, First Advantage addressed my letter to the state of Mississippi, even though I have never lived in Mississippi. 

On XX/XX/XXXX, I wrote First Advantage a demand letter requiring that First Advantage correct my report, inform XXXX XXXX  XXXX of the dispute, add a personal statement to my background check report, provide me with a description of the procedure used to investigate my dispute, and provide me with an updated copy of my background report. 

Also on XX/XX/XXXX, I received an email from the XXXX XXXX XXXX, the data furnisher that First Advantage used for my erroneous educational history verification. XXXX  XXXX XXXX XXXX confirmed that the information provided to First Advantage was erroneous and notified First Advantage to place a new request to see the corrected data. 

As of XX/XX/XXXX, I have not received any correspondence from First Advantage, in violation of the time limit required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Under the fair credit reporting act I sent to XXXX, XXXX XXXX, and Equifax letters requesting to remove. unverified non- account holding inquires. 
the non acount holding inquiries were XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX all of which are unverified accounts. I also requested to have all credit freezes and security alerts removed from my account. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.