23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, D.CXXXX XXXX Dear Sir/Madam, Subject : Formal Complaint Regarding Inconsistent Information and Harm Incurred by Truist Bank I am writing to formally file a complaint against Truist Bank for what I believe to be an unfair, deceptive, and abusive practice ( UDAAP ) that has caused significant financial harm and distress. I am requesting your assistance in investigating this matter. 

On XX/XX/XXXX received a letter from Truist Bank stating that I was eligible to defer payments on my account under their program. The letter outlined the deferral options, including the terms and conditions of the deferral. However, when I contacted Truist on to inquire further and initiate the deferral, I was informed by a representative that I was, in fact, ineligible for the deferral, despite the information I had received in writing. 

This inconsistency between the written communication I received from Truist and the information provided by their customer service representative has caused me undue stress, confusion, and financial hardship. As a result, I have been left with no viable option to manage my payments, which has exacerbated my financial difficulties. 

The conflicting information provided by Truist is not only misleading but has also negatively impacted my ability to plan and manage my finances. I believe that this action constitutes an unfair and deceptive practice under the Consumer Financial Protection Act and may also be a violation of UDAAP. 

I respectfully request the CFPBs assistance in investigating this matter and taking appropriate action against Truist Bank for their misleading communication and failure to honor the terms they initially outlined. Specifically, I would like the following outcomes : 1. A full explanation from Truist Bank as to why the payment deferral offer was made to me if I was ineligible for the program.

2. Resolution of this issue, including reinstating the deferral if applicable or offering a fair alternative that reflects the banks initial communication.

3. Compensation for any financial harm or additional fees incurred as a result of this miscommunication and the inability to defer payments. 

Please find attached a copy of the letter I received from Truist and any additional documentation related to this matter, including notes from my call with customer service. I am happy to provide any further information or clarification needed for your investigation. 

Thank you for your attention to this matter. I trust that the CFPB will help ensure that Truist Bank adheres to fair practices and takes corrective action to resolve this issue. 

Sincerely, XXXX XXXX : Copy of Truists letter Notes or summary of phone call with Truist customer service I advised the representative I would be contacting the CFPB they apologized.
Product: Credit reporting or other personal consumer reports

I reached out to Equifax, XXXX, and XXXX to get settled accounts off of my credit reports to not show as delinquent account. 

I mailed them letters, and disputed the accounts on the applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts appear on my credit report, without any authorization, they are not mine, check them. 
Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 
Identity Theft CREDITACPT Account Number : XXXX This is not mine. 
Identity Theft XXXX/XXXX  XXXX  XXXX Account Number : XXXX This is not mine Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Mortgage

We were contacted by Caliber Home Loans to refinance a mortgage we have with them to get a lower interest rate. We did all the paper work and they said everything was fine. We paid for the appraisal. We were expecting to close and then they said the IRS said we have Identity Theft so they said we could n't refinance even though we already hold a loan with them and paid for the appraisal. Caliber Home Loans should not have approved the loan and asked for appraisal if there was trouble. We spent a lot of time on this and they were n't organized. They do n't know what they are doing. Do n't use Caliber Home Loans.
Product: Mortgage

My loan # is XXXX. 
On XX/XX/XXXX, I submitted my loss mitigation package to PHH Servicing to request assistance in accepting a 6 - 12 months repayment plan with the constituency of PHH accepting 4 out of the 6 payments I ave. 
On XX/XX/XXXX I spoke with the loss mitigation representative and they confirmed receipt of the loss mitigation package and the loan will not be forward to a foreclosure attorney. The loan is on hold for the next 30 days to be reviewed. 
On XX/XX/XXXX, I called PHH home retention department and the representative stated the file is still in review for a loan modification. I stated I was not asking for a loan modification because I received approval with Ocwen Loan Servicing in XX/XX/XXXX. Therefore, I am aware that another loan modification would be approved and instead I requested specifically on my hardship letter a repayment plan. I requested the assigned case management XXXX XXXX to contact me and I have not received any returned calls or written correspondence from PHH. The representative suggested that I should receive a call from PHH by XXXX XXXX. 
On XX/XX/XXXX, I called PHH Home Retention Dept. and spoke with XXXX ID # XXXX and he stated there is no file in loss mitigation for review and there was no written correspondence sent to me stating if my request for a repayment plan was approved or denied. He also stated the loan was referred to an attorney on XX/XX/XXXX. Again I have not received any written correspondence nor any calls from the assigned case manager to discuss my hardship and request for assistance. It's my understanding that as a consumer, the servicing of my loan has been handled poorly and inappropriately and I believe under CFPB ruling, any loan in default while in loss mitigation review, the loan can not be submitted to an attorney to begin foreclosure proceedings until a decision is made from the Home Retention Department. PHH is not in compliance with the servicing of my loan and I am requesting an urgent escalation of my case. I requested to speak with the manager of the Home Retention Dept is Ms. XXXX XXXX and of course, she was in a meeting. I requested for XXXX, ID XXXX, to leave a message for Ms. XXXX requesting an immediately returned call. PHH policy is that I have to wait 24 to 48 hours for a return call. My situation is of an urgent matter, my home and I have to wait 24 to 48 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a renewal of complaint XXXX XXXX. Equifax " company response '' is nonsensical. The complaint is bad faith conduct by CRA by not providing a copy of their " report '' to the subject consumer. As required by state & federal law & the Agreement this company has with the FTC. Please make additional notifications. Said plainly, Equifax ignores its requirement to comply with the law. 

Their explanation is a patronizing series of platitudes, not a statement of facts. CFPB fails to enforce the FCRA which provides that CRAs shall provide a copy of its file upon request. Closing the reference complaint rewards the violation & does nothing to address the issue.
Product: Credit reporting or other personal consumer reports

I contacted JPMCB to negotiate a settlement, they did not reply. 

My credit report says it is a charge off. I contacted JPMCB again and requested a 1099-C since written off accounts are income and do not belong on a credit report. They did not reply. 

If JPMCB sold the debt, they need to update my credit report to a balance of XXXX. If they leave my account with a balance after they sold the debt, they are committing double jeopardy. 

If they have not sold my debt, they need to respond to me in writing regarding negotiating a settlement. 

It is not legal for them to be currently and continuously reporting negative information about me without providing any way for me to make improvements.
Product: Checking or savings account

In the month of XX/XX/2019, the bank chase, closed my account, and does not want to return {$1000.00} that I had in my account, claiming that a deposit made to me by the XXXX  XXXX company was fraud and that the XXXX  XXXX company reported it as fraud, therefore chase informed me that he would close my account and withhold my money, because I would return it to XXXX XXXX, I approached chase to show the proof that everything was correct, but even so they They proceeded to close my account and take my money, to return it according to them, to XXXX XXXX, a situation that has never happened, because as of today, my money is still in the account, I have come several times to demonstrate them with evidence Chase, this was not a fraud, I even have the person who owns the XXXX  XXXX account, I speak with the bank to clarify the situation, but the bank still does not want to return my money, therefore I request that they help me with this situation, Well I was harmed, and actually the person who deposited me that money still tells me that everything is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( a wells fargo company ) has been reporting a 30 days late payment on my acct since XX/XX/2016. i have spoken to several agents to have this negative info removed to no avail. wells fargo has been repeatedly involved in questionable business activities ; failing to report accurately to the credit bureaus being an ongoing complaint.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed serval inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX XXXX XXXX XXXX  and credit XXXX
Product: Credit card

On XX/XX/2017, I phoned Citicard Services regarding paying off my Sears balance. I was asked a series of questions when the agent presented a XXXX month term @ {$100.00} per month at XXXX % interest and asked for my bank routing information. I told her I would think about it and call back in the morning. When I called to let them know I decided to decline their offer pay and the balance on my own terms electing to close the account by me, they told me that I could not get out of the terms the agent quoted me. And, even if I paid the account in full their report to the credit bureau would read that account was closed by the guarantor instead of closed by the consumer. My account is not delinquent and I wish to pay it off and close it on my terms instead of them reporting the negative to the bureau. Please help. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple hard inquiries with several online credit companies made recently. I was contacted by several companies at which I discovered my identity was stolen and froze my credit with the XXXX major credit bureaus. This has cost me a great deal of heartache as I was unable to get a line of credit needed for business due to my XXXX XXXX. XXXX of my credit cards have accumulated small balances of less than {$1000.00} after it seems the person went on a shopping spree.
Product: Student loan

I 've been trying to get a XXXX for about 2 years now and Nelnet continues to say they 've never received my doctor 's paperwork I 've send a few times and keeps delaying it. Today they gave me the phone number for XXXX and stated " XXXX does XXXX discharges rather than loan forgiveness so you should call them '' and when I did XXXX stated they handled XXXX discharges for the government and " oversee Nelnet so we can get it expedited ... just sign this agreement that I emailed you for a {$590.00} processing fee ''. I paid the fee and signed the paperwork but my husband overheard and got on the phone and we XXXX asked XXXX several times, with XXXX different representatives, if he fee was a consolidation fee and not a " XXXX discharge fee '' as they had also previously stated several times and when asked specifically if they were consolidating the loan from Nelnet, several times, they said emphatically each time, " No, we are not consolidating the loan ''. When my husband read the contract it mentioned nothing but consolidation so I called them to cancel and they said no problem. I also called the credit card company to cancel the charge, just in case. So, my complaint is that XXXX and Nelnet both were lying to me. Nelnet to get paid the {$25000.00} owed to them rather than process my 2 year running attempt to do so by referring me to XXXX for consolidation so they 'd get paid rather than forgiving the debt and XXXX for lying several times that they were not consolidating my loan and were merely processing a " XXXX discharge which is better than loan forgiveness because you do n't have to pay taxes on a discharge like you would with forgiveness. '' Thank you in advance for your help in this matter.
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX {$660.00}, XXXX XXXX XXXX, XXXX XXXX bankruptcy XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, transunion XXXX XXXX XXXX, XXXX XXXX XXXX {$660.00}, XXXX XXXX XXXXXXXX, XXXX XXXX bankruptcy XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, XXXX XXXX XXXX {$660.00}, XXXX XXXX XXXX, XXXX XXXXXXXX bankruptcy XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX transunion XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtein credit.
Product: Debt collection

I entered into a settlement agreement with Barclays American Airlines Credit Card in XX/XX/2020 for {$4400.00}. The payment was processed the first week of XX/XX/2020. I then received a letter stating that the account was paid off as agreed and the account was closed. 
Then earlier this year I was contacted by XXXX XXXX XXXX XXXX saying that I owed them for the unpaid Barclays account. I disputed it and sent them proof that it was paid, but they are refusing to close the case. They have called repeatedly and sent a letter threatening legal action for a debt that was paid 3 years ago.
Product: Credit card

XX/XX/XXXX an unknown transaction of XXXX was charged to my Citibank NA Costco card for a charge in the Costco Facility. On XX/XX/XXXX is when I noticed the charged and filed a fraud claim. XX/XX/XXXX the denied my claim, reasons because I still had the card in my possession, an authorized charge of XXXX was conducted moments prior in the same facility. I never purchased or utilized or authorized my card for a transaction of XXXX, never received confirmation or receipt, product or service. My usual charges in the card never exceeds $ XXXX ( 5 plus years ), lady on the phone rudely mentioned to escalate as necessary.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$830.00} XXXX - XXXX - XX/XX/XXXX - {$900.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00}
Product: Money transfer, virtual currency, or money service

I am submitting this formal complaint to the Consumer Financial Protection Bureau concerning the unfair and discriminatory treatment I experienced at Old National Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The incident involved the Bank XXXX, XXXX XXXX, who exhibited unprofessional and demeaning behavior during my attempt to open a student account and cash my student loan check. 
On XXXX XXXX I visited Old National Bank to open a student account and deposit my student loan check. Upon explaining my intent, XXXX XXXX made an inappropriate remark, stating that I was " too old '' to open a student account. Despite this comment, I decided to proceed and requested that my student loan check, which was issued by Old National Bank, be cashed at the branch. XXXX XXXX informed me that she needed to verify the check with my universitys finance department and made a phone call. However, she claimed that no one answered the phone. 
Although XXXX XXXX did not request additional documentation, I voluntarily provided both my student ID and my drivers license to confirm my identity and student status. Nevertheless, she rudely told me that she could not verify my student loan check and stated that she would try calling again later. I informed her that I would return the next day after classes to resolve the issue. 
After leaving the bank, I followed up with my universitys finance department. They assured me that any Old National Bank branch should be able to cash my check without further issues. The following day, I returned to the XXXX XXXX branch to inquire about the status of the verification. As I approached the building, XXXX XXXX saw me through the window, left her office, and intercepted me at the door. She rudely questioned why I was coming to " this location, '' citing that I live " in the city '' and insinuated that I should go to " my own bank. '' Her tone was loud, condescending, and unprofessional, making me feel unwelcome and as though I was being judged based on my residency or other factors. 
This experience was deeply troubling and evoked a sense of discriminatory treatment that was reminiscent of the " XXXX XXXX XXXX. '' As a customer seeking to complete a legitimate transaction with all necessary documentation, I believe I should not have been subjected to such disrespect and hostility. Her actions were uncalled for, and her demeanor was unprofessional throughout both interactions. 
I request that the Consumer Financial Protection Bureau investigate this matter to ensure accountability and address any underlying issues at Old National Bank. This experience has highlighted what I believe to be unacceptable practices and attitudes that should not be tolerated in a professional banking environment. I also believe the public deserves to be aware of this incident to prevent similar mistreatment of other customers. 
Thank you for your attention to this matter. I look forward to your guidance and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX