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

On XX/XX/XXXX, I opened up a new account with Truist ( formerly Suntrust ). To fund the account, I transfered {$50.00} from my existing Truist account. On XX/XX/XXXX, the money is still not credited to the new account. On two occasions I have called and spoke to representatives for over an hour only to be hung up on or the call forwarded and dropped. The bank will not return my funds and they will not take accountability for the funds being lost.
Product: Money transfer, virtual currency, or money service

Good Afternoon.. my dears At Consumer Financial Protection Bureau.. greeting XXXX On or Around XX/XX/2022, I contacted madam CEO Citi Bank XXXX XXXX XXXX then I made trip to Citibank XXXX XXXX branch XXXX city of XXXX XXXX, CA XXXX XXXX to Speak with branch manager XXXX, XXXX Thankfully advised me to Ship package to Garnishment Citibank, I did Then a month later I made Another trip to : Citibank XXXXXXXX XXXX located XXXX XXXX XXXX, XXXX Ca XXXX, Lucky I was I met Citibank V.PresidenXXXX XXXX XXXX 
XXXX XXXX, XXXX XXXX 
XXXX, made copy from over 250 documents and Faxed it to Citibank HQ, 6 months, and so far nothing received from Citibank, until now, please Contact My dear Mr.v.president XXXX  With my complain, thank you for your help and happy XXXX,
Product: Debt collection

XXXX XXXX from Williams and Fudge XXXX XXXX XXXX XXXX SC XXXX XXXX I have been repeatedly harassed after asking them to stop calling. They called my employer on XX/XX/18 at XXXX XXXX 

They have never sent paperwork to me.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE! 

After a lot of research, I determine the issue and immediately sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX a month or so ago. 

I paid the credit card off immediately. XXXX XXXX stated this will be removed from all XXXX l credit reporting agencies. I asked what XXXX will do on my credit report. Was told they will update my account as paid accordingly. I called & spoke to a rep about when they will update my account & have a satisfactory reporting as per my understanding. The rep was less than helpful & uncooperative saying I need to put in writing ; she cant tell me over the phone. However, I did send them a letter and as of today, they gave jut responded. Also, as of today, my credit report has not been updated. To say they are a XXXX chance card, this reps behavior was not displaying that. 

I can go into the logistics about what happened and the cross of communication and them not updating my information ; but now, my focus is on getting my reporting updated & correct. 

They are hindering me from accomplishing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX Reported False Information Resulting in multiple ( 3 ) late payments, i wish for them refresh and update my payment history & removed those late payments!
Product: Mortgage

Ocwen got hit with unlawfully Sterling home in Texas so they bought Phh mortgage service and now me and my family have been fighting foreclosure for 8 Long years there accounting is wrong on my mortgage I am a XXXX Amerikaners War Vet long story
Product: Debt collection

I have received XXXX rude and obnoxious voice mails from a Company named National Principal Groups. They are actually yelling on the message stating they are looking for a Party who does not reside at my household. They state they are skip tracing and have the right to contact any phone numbers that are listed on file, and that they request a call back even if I do not have any information. I have called back after the XXXX voice mail received and left a message stating not to call my phone number again. I received another voice mail today and I called them back stating again, not to contact this phone number and they still asked for information on a party they are looking for. They have called XXXX, XXXX, and now XXXX. No one in my household owes any outstanding collection/debt and do not appreciate this company contacting our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am consumer writing this without the assistance of any third party. This is my understanding and account of the instrument attached in this complaint with the Bureau. Promissory Notes are negotiable instruments according to UCC 3-104 ( b ). 

XXXX XXXX XXXX XXXX, who in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis, helped me finance a credit sale. The took place XX/XX/2021 I was given a purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who in this case is XXXX XXXX XXXX. 

Attached is my consumer credit contract. This instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale. '' This instrument was electronically signed by me the consumer on behalf of an individual. 

Pursuant to 16 CFR 433.2, It is unfair and deceptive for XXXX XXXX XXXX  to directly or indirectly take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

In careful review of the instrument, this notice was absent, willfully. This means this is unlawful pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Pursuant to 16 CFR 433.3, this contract cuts off my right to assert my claims and defenses because it did not include 16 CFR 433.2 which is unlawful. This is not my obligation. In addition, I did not know it was possible to pay on a positive balance which is what XXXX XXXX XXXX mislead me into doing. 

All Consumer Reporting Agencies claimed this has been verified by XXXX XXXX XXXX however, I am requesting a complete and accurate disclosure of the nature and scope of the investigation. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. This is pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX EQUIFAX XXXX XXXX XXXX, XXXX, GA XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Ny XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to address an issue regarding my credit card account with your company. On XX/XX/2023, I received notification that my credit card ending in XXXX was closed due to No reason provided by the XXXX. However, I did not authorize nor request the closure of this account. 
This action has caused significant inconvenience and concern for me, as this credit card account plays a crucial role in managing my financial affairs. I have been a loyal and responsible customer of Home Depot Credit Card for XXXX Years and have consistently maintained a good standing with timely payments and responsible credit usage. 
I request an immediate reversal of the decision to close my credit card account and reinstatement of all associated privileges. Additionally, I ask for a thorough investigation into why this action was taken without my authorization, as well as assurance that such errors will not occur in the future. 
I also request that you provide me with a formal written explanation of the circumstances surrounding the closure of my credit card account, as well as any documentation related to this matter. 
Please consider this letter as a formal dispute of the adverse action taken against my credit card account. I expect a prompt resolution to this matter and request that you contact me at the earliest opportunity to confirm the reinstatement of my credit card account. 
Furthermore : In Pursuant to 15 U.S. Code 1615 If a consumer prepays in full the financed amount under any consumer credit transaction, the creditor shall promptly refund any unearned portion of the interest charge to the consumer. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution. 
Notice to Agent Notice Knowledge U.C.C 1-202 Respectfully, All Rights Reserved Without Prejudice - U.C.C. XXXX Name : By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Husband, XXXX XXXX, has attempted to resolve an issue with XXXX XXXX obtaining his Credit Report information and have not received resolution due to Discriminatory Practices exhibited by XXXX with blocking the XXXX XXXX from pulling his XXXX Credit Report. 

We have call multiple times and XXXX XXXX states that they keep the same error message, although XXXX claims there is no XXXX XXXX or XXXX freeze on his report. 

We Protected XXXX XXXX  and XXXX XXXX Americans who are attempting to gain access to financial resources, however, we are being blocked due to XXXX 's illegal biased discriminatory practices. 

He called the XXXX Fraud line 3 times and they assured him they have no fraud alerts, however, they have not updated their database and are on purpose blocking us from obtaining financial credit. 

XXXX XXXX can also attest to this action as well, as they have attempted to run his XXXX Credit Report but receiving no information and specifically stated their error message includes " Report Not available for Delivery ''. 

These are discriminatory practices in attempt to keep XXXX XXXX Americans form obtaining XXXX. 

I also had the same issue with Experian who is blocking " FIGURE '' Home Equity Online Application from obtaining a Soft Inquiry Credit Report as we well. These are also illegal practices and Experian states the same thing that there are no Security Freezes or Fraud Alerts on my account. However, when I called FIGURE back to inquire and confirm, they stated they are receiving the same error message on their attempt to pull my credit for progressing to the next stage of the application process to accept an Offer for the a potential Home Equity Line of Credit. 

These are discriminatory practices being exhibited by XXXX and Experian, as the companies are confirming they have made several attempts to pull credit to no avail.
Product: Mortgage

I was preapproved for a loan from Wells Fargo and went under contract to purchase a home. 
Wells sent went on to send me my mortgage estimates, conducted the home appraisal and lead me to believe the loan was being approved by underwriting up until 8 days before the close. I have all documentation of correspondence and am considering legal action as well for financial stress on me, my family and the seller.
Product: Checking or savings account

On XX/XX/XXXX around XXXX XXXX, I noticed two {$XXXX} fees and five {$XXXX} fees totaling {$XXXX}. I called Chase Customer Service right away who closed the card. Claims was unavailable as they had closed early, before the advertised XXXX EST. I spoke to claims on the morning of XXXX and had a claim number XXXX. This claim however showed as {$XXXX} so I called back to state there are charges of {$XXXX} not {$XXXX} and I would like it revised and was told it would be. I began messaging Chase at this point. There were repeated responses that didnt confirm any of my requests, so I called again on XX/XX/XXXX. I was told the claim is still showing for {$XXXX}, so I askee to create a claim for the additional {$XXXX} and got claim number XXXX. Chase has notified me that claim XXXX for {$500.00} was a valid charge and the claim would be denied, with {$XXXX} being removed from my account. This is untrue and Chase allowed numerous transactions in California while I am in Illinois with possession of my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 XXXX, Equifax, XXXX Reported account with XXXX XXXX XXXX as an OPEN account in Collections. 
This account has been in Charge OFF status for over a year.

After sending factual information in regards to the inaccurate monthly terms reported, in the amount of 81months ( Should be 72 months, according to contract ). They have failed to provide proof of the balance calculations listed on my credit report.

After disputing the first time, this company updated my late payments reported ( my extended amount of days late on certain payments ). Still not providing PROOF.

NOW they have an account, which is remarked as being a write -off, as if it is an active account in Collections. 

This company is in violation of the FDCPA and the credit bureaus are in violation of FCRA and have failed to complete a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account from XXXX XXXX XXXX on XXXX, XXXX and TransUnion credit reports. So far I have heard back from XXXX stating that XXXX XXXX XXXX verified the information as correct and the item was not deleted. 

I have submitted two complaints against XXXX XXXX XXXX with regards to this account and in the first complaint they agreed to delete the item from my credit reports. 

However, this has not been the case. I am providing copies of the first complain with XXXX XXXX XXXX stating they will remove the account from my credits bureaus. 

I also asked XXXX, TransUnion and XXXX to provide the means of the verification and the proof that was provided by XXXX XXXX XXXX. This information was not provided. They are just relying on XXXX XXXX XXXX word. Without proper evidence showing this account belongs to me ( which it does not ) this item must be removed.
Product: Credit card or prepaid card

On XX/XX/2019 I did a cash advance of {$700.00} on my credit card. I did not use my card after the cash advance. The credit limit for this card is {$1000.00}, which left me a available credit of {$260.00} when I checked on Friday XX/XX/2019. On Saturday XX/XX/2019 around XXXX XXXX I went XXXX XXXX Station in XXXX , IN and was denied a purchase of gas and windshield fluids. I called Capital One and was informed by the staff person, I had no available credit due to the cash advance and it will take five days before the removal come off. I informed the staff person I was unaware of this policy and requesting to have the hold lift. I informed her I was in a XXXX winter storm right now and needed gas, staff person stated there was nothing she could do. She stated I apply for a increase in credit and I would get approved right then and there and I would have available credit. I explained I did not want to run my credit due to me trying to purchase a house but I did it because I was cold and did not want to run out of gas. After filling out the application the system told me I had to wait 10 days for a determination. This is not what the staff person told me. This is not right I have never been late with any of my payments, I had credit that I was not able to use in this emergency situation. Please file my complaint.
Product: Student loan

I am still a XXXXt at Oregon XXXX University. I just took one term off to finish incompletes. I am struggling to make my Sallie Mae interest payments. I, and my co-signer brother, are currently XXXX and unemployed. 
On XX/XX/XXXX Sallie Mae attempted to withdraw money from my XXXX XXXX account, which put me into overdraft status because of the fee charged ( see attached screen shot of my account for XX/XX/XXXX transaction, which XXXX XXXX XXXX says was the result of Sallie Mae attempting to draw a check on my account ). I contacted Sallie Mae on or about XX/XX/XXXX when I realized what happened. I was told by an agent that " we did not do that, we would never attempt to withdraw money from a lessee without their permission. ", and also " no, there is no permission on file for your account ". However I confirmed with my bank that Sallie Mae did attempt to take money from my account on XX/XX/XXXX. 
An additional problem has arisen. My sister, who is not my co-signer, informed me today that Sallie Mae has started making harassing calls to her. She has no legal obligation to Sallie Mae. 
My co-signer, my brother, has been battling an aggressive XXXX XXXX XXXX for over 6 months. He of course is not working and has no ability to fulfill co-signer obligations. I have provided this information to Sallie Mae several times. Nevertheless, my brother is also being harassed by phone calls from Sallie Mae. 
I have made payments to the best of my ability but have not been able to make full payments regularly since I became homeless. I don't believe that Sallie Mae should harass myself and my family by phone. Also, I belive that their attempt on XX/XX/XXXX to withdraw money from my account was illegal.
Product: Credit card

Elan Financial ( for my Fidelity credit card ) offered a zero % for balance transfers. The offer was not honored because I did not have the convenience checks - I do not keep many paper statements - and this was not honored by the credit card company. the case number for my quick account closure is XXXX. I feel that my credit score will be damaged due to the fraudulent reasons given to open the accounts.
Product: Debt collection

Subject : Dispute of Medical Debt and Request for Cease of Communication Dear [ Collection Agency Name ], I am writing to formally dispute the validity of the medical debt that your agency is attempting to collect from me. I would like to emphasize that I did not sign any contract with your agency, and therefore, I do not owe any payment for the alleged debt. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I kindly request that you cease all communication regarding this debt immediately. Furthermore, I urge you to remove this debt from my credit report as it has significantly impacted my ability to lead a fulfilling life and utilize my credit due to the negative item you have placed on my report. 

I would like to bring to your attention that the information relating to my XXXX XXXX, including the billing details, is protected by the XXXX XXXX Portability and Accountability Act ( XXXX ). This legislation ensures that my medical information remains confidential and is not shared without proper authorization. Therefore, any disclosure of this information to your agency is a violation of my privacy rights. 

Moreover, I have taken the necessary steps to cc the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) to ensure that they are aware of the ongoing dispute and the inaccuracies present on my credit report. I have been diligently working to rectify these errors, as they have caused significant distress and have negatively impacted my financial opportunities. 

It is imperative for your agency to understand that I have not entered into any contractual agreement with you regarding this medical debt. Therefore, any attempts to collect payment from me are unjust and unwarranted. I request that you provide me with documented proof of this debt, including a signed contract or other legally binding evidence that establishes my liability for this obligation. 

I implore you to thoroughly investigate this matter and take immediate action to remove this inaccurate information from my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that all reported information must be accurate, verified, and not misleading. 

I expect to receive written confirmation from your agency within the legally mandated XXXX period, acknowledging the receipt of this dispute and providing me with an update on the actions taken to address this matter. 

Thank you for your immediate attention to this dispute. I trust that you will handle this matter with the utmost professionalism and resolve it promptly. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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 an account without my written instructions. XXXX XXXX XXXX THIS ACCOUNT WAS FRAUDULENTLY OPENED. IT IS NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an unrecognizable inquiry reporting on my Transunion credit report. I immediately contacted the bureau and spoke to a customer service agent who placed a fraud alert on my credit report to prevent any further fraud from occurring. I asked him to dispute the fraud inquiry and he told me that he did. I am not sure if he was telling the truth but the inquiry is still remaining on my credit report and has not been removed. 

Transunion XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This company keeps calling me repeatedly even though I let them know when a future payment will be made. They call sometimes up to 3-4 times a day. 

I finally spoke to a representative on XX/XX/year> at XXXX and requested for calls to cease. As a result, the representative told me that she is unable to stop the calls and that she will put a hold of XXXX hours for the repeated calls. I requested for it to completely stop and was told otherwise and the calls restarted once more. 

Therefore, I am moving forward with filing a complaint of the debt collection practices of this company. I am working on getting caught up with my payments and don't need constant harassment.
Product: Debt collection

The company itself has said that it needed to be deleted from my account because it was not my account. The credit bureaus have been sent proof and request for it to be deleted, but have yet to do so. This is holding me up from getting a mortgage loan.