23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I logged into Truist website, downloaded my credit card statement, reconciled it, processed the payment, and printed out the payment confirmation. Today ( XX/XX/XXXX ), I logged into Truist website to download the statement and notice I have interest and late fee. I check my records and verify confirmation of payment made on XX/XX/XXXX. I check for email confirmation, but Truist does not send out email payment confirmations. I search through the website and find no payment processed or scheduled. I pull up my confirmation and see I paid it on XX/XX/XXXX. At this point I reach out to chat and explained the situation. I was told I scheduled a payment for XX/XX/XXXX. How is this even possible? Why would, and better yet, how could someone schedule a payment for 1 year in advance? I recheck my confirmation, and it says XX/XX/XXXX. Truist does not send payment confirmations. Nobody contacted me. I send the image of payment confirmation through chat. I ask agent to please credit late fee and interest as a professional courtesy. She says no she can not do it until I make a payment. I say ok, no problem, hold the line. I immediately make the payment and send her an image of the payment confirmation through chat. She says no good. It takes them days to post and I should contact them again afterwards. I ask why the confirmation shows XX/XX/XXXX. She says that was date I processed payment. Why in the world would Truist not show a pending payment on its website, not email a payment confirmation, display a payment confirmation on screen for a customer claiming the customer scheduled a {$66.00} balance in full payment for a year in advance.and show the date on the confirmation as the date the customer initiated the transaction with absolutely no reference to a future scheduled payment date? I was charged {$27.00} 42.18 % in interest and late fees on a {$66.00} balance. I asked to for a manager and was told a manager would call me within 30 minutes. Nobody has called me. This is extremely upsetting. It is inappropriate and appears to be an attempt by Truist to trick its customers and to charge unnecessary fees. Even the immediate payment I just made does not show as scheduled or pending or anything. The only record I have of making that payment is the confirmation I printed out. There is no record anywhere of a payment scheduled. This is unfair. I have an XXXX credit score. I pay all of my credit card bills in full and on time every single month. I scheduled this payment. I printed out the payment confirmation. I verified it was the right date on the confirmation. I did my part. Truist bank is deceitful, unethical, and conducts unfair business practices. This is not ok. Big companies should never be allowed to take advantage of consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear XXXX XXXX XXXXXXXX XXXX This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report.

3. Debt Validation : o The name and address of the original creditor.

o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied.

o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt.

4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy.

5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies. 
Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation.

Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts. 
Remove any negative information related to this debt from my credit report. 
Confirm in writing that this matter has been fully resolved. 
Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General. 
Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter. 
Thank you for your prompt attention to this matter.
Product: Mortgage

In XXXX I had lost my job. I immediately reached out to my mortgage lender Wells Fargo to explain the situation and protect my loan. They told me we could work together to fix the problem. Forgo payments and go into forbearance and we will just do a home loan revision. I found a job a week later. I called to make the arrangements and change my mortgage... They told me I was being foreclosed on so too bad. They wouldn't let me make a payment or fix anything and said that it was too late. My family became homeless with nowhere to go. I tried talking to a lawyer at the time but received no help. We have never came back from losing our home. We recently received a cashier 's check from Wells Fargo for {$200.00} dollars explaining they found errors when our home was considered for payment assistance options.
Product: Checking or savings account

They are still purposely holding deposits 5 days even after they have cleared to cause over draft charges!! I mobile deposited a check last Friday..I called the bank that issued and confirm the funds were released yesterday on Wednesday. Navy refuses to add the funds to my account until Friday. They cleared all my transactions to put my in overdraft and charging me {$20.00} for an overdraft fee even tho they already have the funds from my deposit
Product: Credit reporting

I filed a dispute regarding some deliquencies reported on my credit report by my student loan XXXX where I was granted a forbearance prior to the date of the delinquencies through a date after the delinquencies, and requested that my information be updated pursuant to FCRA 623a2B stating that Information must be updated as it becomes available! I sent the information in and the credit reporting agency did not update my information or investigate the information with the creditor and have them verify or respond to the updated information.
Product: Credit reporting 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 XXXX 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 correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

I did not give authorization to run my credit XXXX inquiries.
Product: Credit card or prepaid card

In XX/XX/XXXX, I applied and granted a XXXX credit card co-branded by Barclays Bank Delaware and XXXX XXXX XXXX. I was promised 30,000 bonus points after a minimum spending within the first few months and some more points for every dollar transferred. I never received the bonus points and all subsequent points from the credit card spending to my XXXX XXXX  reward account. I provided my XXXX hotel reward account number during the online application. When I called Barclays, the agents forwarded my call to Choice Hotels to fix the problem, and similarly Choice Hotel agents forwarded my call back to Barclays to fix it. Basically, someone didn't assign my Choice reward account number correctly to my credit card, so I could never receive the points. Both Barclays and XXXX failed to resolve the issue. I closed my credit card account on XX/XX/XXXX with XXXX points allegedly already sent to my XXXX  XXXX. The total points ' monetary value is {$200.00}. I suspect I'm not the only victim of this fraud.
Product: Credit card or prepaid card

there is a XXXX charge used against my permission by a family memebr who stole my card he bought a car I NEVER DID and I NEVER authorized them to use my card and now citi bank recharged this too me in violation of the card agreement and the fcba i never gave my cousin persmiions to use my card he stole it i never talked or signed or authorzied them to charge my card
Product: Credit reporting, credit repair services, or other personal consumer reports

Sezzle reported 30days late on my XXXX  credit report. I paid this debt off months ago and they are showing {$710.00} I have called the company and it directs me to email them. I have emailed them with no response. Last month it showed I had an account still owing put on time XXXX XXXX removed it now this minth in XX/XX/XXXX i get an alert from my credit monitoring about a 30 days late on my credit. I owe this company no money havent used this account since XXXX and they show I am 30 days late and iwe a balance. I owe them nothing I havent used this account in monthes I also attached my payments showing they where paid off. I also was a victim of id theft so that could be a problem. I have immaculate credit and this just caused problems. I owe them nothing and ask they close the account and remove this off my credit. I also have another dispute with XXXX to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one second mortgage with XXXX XXXX  XXXX, the Experian credit is showing two separate mortgages with same open, balance, monthly payment and same creditor and they are reporting both negative on my credit report.

There is only one mortgage in reality, and the status is not reporting accurately, the status is showing as foreclosure proceeding started. The real property has been foreclosed in 2010. 

I need help in getting this resolved please.
Product: Mortgage

I have a mortgage with PHH Mortgage. I went on forbearance due to covid hardship in XX/XX/XXXX. Every 3 months they contacted me to see if I wanted to remain on forbearance or resume my payments. I kept explaining to them that I wanted to apply for modification to move the payments I missed onto the back end of my loan. They repeatedly told me that the account was still under review and that I should remain on forbearance until they reached a decision. Despite being on forbearance, I resumed making regular payment on XX/XX/XXXX. XX/XX/XXXX I received a call that I had been approved for modification and the back payments would be moved to the end of my loan. They kept saying that they were giving me a " fresh start ''. On XX/XX/XXXX I checked my credit scores and noticed that one had dropped 168 points! I was shocked. PHH had reported me over 180 days past due. I called to see what had happened. I was under the impression that none of this was supposed to adversely impact my credit. Their story is that I was removed from forbearance on XX/XX/XXXX so that they could do the modification. In the short time between my removal from forbearance and acceptance of the modification, they reported that I was late from XX/XX/XXXX until XX/XX/XXXX. 

I don't know why I was removed from forbearance before I had accepted their offer of modification. I requested the modification but wasn't even formally offered it until XX/XX/XXXX. I absolutely do not understand why they felt it necessary to report me delinquent when they knew I was receiving a modification and they would be made whole in a matter of days. If I had known my credit was going to be destroyed I would have chosen a different course of action. I have almost 400 on time payments on my credit report, and now because of this I also have 1 extremely late payment. That 1 payment dropped my score 168 points.
Product: Debt collection

I have XXXX XXXX XXXX but the hospital and the debt collector conspired to collect this debt and damage my credit. They both never attempted to verify the debt or get paid from the insurance company. They must contact the insurance company before attempting to collect this debt. Also, I never used hospital services in XXXX How did the hospital come up with this debt? I was afraid of going to the hospital due to pandemic in XXXX. How did I get charged for services not received?
Product: Consumer Loan

American Honda Finance. I have no documents lost in hurricane XXXX. Was reported TWO times on credit report negatively. I had no clue. First comprised account was for a lease-option-to-buy. Payments were {$160.00} a month paid on time and completed. 
Second compromised account was for loan from AHF, payments were made in 2 yr period. Payments went up to {$160.00} a month, I was behind in 2009 due to financial hardship. My father had XXXX, had to help with bills and got behind on mine. Communicated with Honda all the time. Since XXXX are paid off, I would like the lease in positive ( never missed a payment ) the loan removed from my credit report. Honda Finance is the most rude and negligent company I have ever dealt with, I expressed my hardship, HONDA, did not care. I missed XXXX or XXXX payments, asked if it could be put on back end of loan and was rejected. I understand I have to pay loans, but when a family member has stage XXXX XXXX XXXX, a car payment missed for a life saved is commendable. Would you not think? Another bunch of jerks. Finance dept, very nasty, " We do n't care if your father is sick, we need your payment ''. NOT RIGHT. Proof of payment, ask them for title, sold car off.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESSES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX typeApartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX DO NOT BELONG TO ME XXXX NAME VARIATIONS DO NOT XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EVEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/year> I requested UMB Bank send my funds to my new XXXX XXXX. They waited till XX/XX/year> to close my account, in the closing process UMB took back the earned interest for XXXX in the amount of {$0.00} and charged a {$25.00} closing fee. They then waited until XX/XX/year> to mail the check. As of XX/XX/year> the new institution has not received the funds. I have asked that they reissue a check. I was told that they will charge additional fees for this. At this point they are stealing from me.
Product: Credit card or prepaid card

This is per compliant ID XXXX and XXXX In Summary of the complaint : I made two payments to American express of {$3700.00}, and their records have not credited me for both of them, as their correcting entries reversed one of those payments. 

In the Month of XX/XX/2016 I made two payments to American Express for the amount of {$3700.00} and their records have not credited me for one payment. It is found that the payment of {$3700.00} was moved to an interest pay overtime account., so now Im paying interest for money I payed to American Express in addition to them stating I owe {$3700.00}. The cause is that in XX/XX/2016 I paid twice, one manual and one auto-pay both for {$3700.00}. I asked for one payment of {$3700.00}  to be refunded back to me, and it was refunded, but their processing of this refund seems to be placed in their pay over time account, so I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided XXXX which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. The discrepancy occurred in the Month of XXXX and I think it may be been one of these two transactions : 1 ) XX/XX/2016 per Reference : XXXX for XXXX and listed as a credit balance refund. The odd note here is that this refund is listed as a charge to the account. 2 ) XX/XX/2016 per Reference : XXXX for XXXX and listed as an ADJUSTMENT TRANSACTION PROCESSED BY AMERICAN EXPRESS EXTENDED PAYMENT OPTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX has violate

d my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not
furnish a account without my written instructions
Product: Credit card or prepaid card

In XX/XX/XXXX I began employment with an organization called XXXX in XXXX, GA. XXXX XXXX XXXX I was hired as their XXXX XXXX XXXX XXXX. As such, I purchased a one year subscription from XXXX with my XXXX email address and my personal credit card. I departed that organization in XX/XX/XXXX and they immediately removed my access to that email address and continued using the XXXX XXXX account. Additionally, I believe they selected the auto renew option which resulted in another charge of {$400.00} in XX/XX/XXXX. So, in XXXX  of this year I was charged {$400.00}. According to XXXX XXXX, who refused to reimburse me because the account has been used by XXXX, they authorized payment. 
I contacted XXXX ( who by the way are a credit card distributor with the XXXX Visa Card ) who's VP of Human Resources admitted accessing the account but refused to offer me the reimbursement. 
I called Citi Card to report fraudulent use of my credit card and they claim it is not fraud? I'm not sure what to do. My card was used by XXXX without my permission and they locked me out of the XXXX XXXX account so I was unable to cancel, receive renewal reminders, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$610.00} 15 USC section 1681 a ( i ) ( 2 ) states medical information about the consumer can not be furnised 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a2 states a consumer reporting agency can not furnish an account without my written permission. 

XXXX XXXXXXXX XXXX  XXXX XXXX 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681 section 604a2 states a consumer reporting agency can not furnish an account without my written permission Fraudulent inquiries -- -- -- -- -- -- -- -- -- XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have sent over MULTIPLE letters, disputes and made too many calls to count. I have verified my identity, sent in documents from XXXXXXXX XXXX  that my file was compromised. whomever hacked in through my bank has my driver license number, address, social security number, birthdate, account number and anything eles that was on file. 
I have done everything the credit reporting agency has asked and more and they will not remove these items. Pleas someone help me!!!!!