23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have never in my life encountered a bank with such horrendous and unprofessional staff in my entire life. These people already screwed up my entire credit for the first 8 months this year because the person trying to sell me the loan was too busy running their mouth and didn't bother to even key in my auto-draft. 

NOW when I've tried to pay this loan off in full as soon as possible and have nothing to do with this deceitful and underhanded bank ever again for any reason, I find even more completely deceitful and predatory practices bordering on very illegal activity. 

I'm making ADDITIONAL payments each month now on top on my normal payments, I've been told multiple times by Truist loan officers that there would be NO PENALTY FOR THIS and there's no line anywhere in my contract that says I would be penalized BUT Truist just decides to steal {$41.00} from my PRINCIPAL ONLY payment that I make like this is somehow legal. It's not and they have their website set up to specifically be deceitful to consumers as you can see from the screenshots I took. 

What consumer anywhere would think, when choosing to MAKE AN ADDITIONAL PAYMENT TO " PRINCIPAL ONLY '' that someone's going to just take out nearly {$50.00}? 
THAT IS BY DEFINITION NOT " PRINCIPAL ONLY '' I've called the XXXX and XXXX  banks several times and either gotten a XXXX lady that sounded like she was too impatient or it was just too much to help a client. She transferred me to I'm assuming a branch manager male who just continually gave me nothing but sarcastic remarks. I will never ever bank with Truist again after this loan 's paid off and I have every mind to call my family attorney and file suit against you people. 

This is illegal, it's purposely deceitful to consumers, and it's absolutely predatory. I could have easily paid for this cash but chose instead to finance this purchase and because I chose Truist, I've gotten flat-out robbed, had my credit ruined for the better part of year. Yeah I'm done " asking '' for things to get fixed. I'm going to sue this bank if they don't refund my money. 

I'm sick and tired of all these people at this bank advertising like they give a XXXX about their customers in commercials and then doing everything possible to XXXX them and XXXX up their credit and financial futures so I'd like the CFPB to please publish this publicly so any and everyone can read this non-solicited experience that I've had and know to never trust Truist Banks with any of your financial decisions. Go literally anywhere to the smallest small-town bank or the biggest big-city bank, there is no possible way that those strangers will XXXX up your money as badly as Truist. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to urgently dispute an inaccurate collection account listed on my credit report. Upon reviewing my report, I discovered that XXXX is erroneously reported by XXXX XXXX This inaccuracy has significantly affected my credit score and financial standing. 
According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute inaccurate information on my credit report. Both acts mandate that credit bureaus investigate disputes within a reasonable timeframe and remove inaccurate, unverified, or incomplete information. 
I request that this collection account be removed from my credit report immediately, as it is inaccurate and has caused harm to my credit standing. Please conduct a thorough investigation into this matter and take appropriate action to correct this error. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX I have never lived in XXXX, IL, could be identity theft. 

To whom it may concern, XX/XX/year> I am writing to advise you that the personal information on my credit report is incorrect, and it must be corrected. The address of (? ) is not my address and I have never lived at this address. Any accounts that are listed at this address is fraud and I have sent a separate letter dealing with them. At this time under section 1681c2. Block of information resulting from identity theft of 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES the above listed address must be removed and blocked from my credit report or I will file a lawsuit under sections 1681n. Civil liability for willful noncompliance and 1681o. Civil liability for negligent noncompliance. I am also requesting that you send me a corrected copy of my credit report within the 30 days allowed. 

Respectfully, XXXX XXXX XXXX
Product: Consumer Loan

In 2015 I brought a Toyota XXXX Toyota XXXX.They made me buy a new car knowing I ca n't afford it they also told me if I do n't buy a new car a can not get a loan. I 'm am a XXXX and they Also gave me a high interest rate I 've been struggling to pay from day one. I believe they discriminate against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has FAILED repeatedly as of XX/XX/2022 to remove the account ( XXXX XXXX XXXX Account number XXXX {$400.00} past due as of XXXX XXXX ) from my credit report. They have FAILED reportedly to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated. They have also failed to respond to CFPB and provide an update. They are deliberately replying ONLY upon the initial complaint from CFPB but will provide their " findings '' directly to me with NO legal stance which I believe they are purposely stalling. This concern needs to be escalated with the CFPB and Experian. 

Experian Response ( The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. )
Product: Checking or savings account

Account holder has control over positive pay of which is a fraud protection service that allows account owner to manually write checks through the banking system while not experiencing any delays or encumbrances. My account is being tampered within the bank but by 3rd party individuals who work remotely from home. The checks that were manually issued by maker are being unissued by the bank and put through as needing approval after the check has cleared the system. This causes excessive return fees.
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit reporting or other personal consumer reports

My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a XXXX XXXX account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( XXXX ) days of the completion of your investigation.
Product: Checking or savings account

Abruptly my account was wrongly closed without any specific explanation as to what caused it or what was the reasoning. Ive reached out to them in every possible way that they allow us to do but I havent received any response.
Product: Checking or savings account

XX/XX/year> i was scammed of XXXX payments XXXX for {$200.00} & another for {$50.00}. I tried to go back 9n zelle to stop the payments but it didn't allow me to.
Product: Debt collection

This is for a debit with Snap finance that I disputed over 5 years ago. I sent all of the information to snap finance to prove that the company that installed the radio and remote start messed up my car, and that the remote start never worked. I sent this to them over 5 years ago, and never heard anything else on it. This debit is over 5 years old and past the time that it can be collected on. It was resolved with Snap 5 years ago.
Product: Student loan

To whom this may concern RE : XXXX XXXX. False and misleading information ( the contract you allegedly signed has violations ) Reselling the account to another company is a violation The loan itself is a violation of 15 USC 1605 ( a finance charge ) which violates a contractThere is no question of the general doctrine that fraud vitiates the most solemn contracts, documents, and even judgments '' ( United States v. Throckmorton, 98 US 61 ( 1878 ). By this principle, this matter should never have reached this Court 's attention.

Nothing can be on a consumer report without your permission/ factual information isnt suppose to be on a consumer report ( 1681 ( 2 ) ( A ) ( i ) otherwise it constitutes as identity theft due to no consent1681a ( q ) ( 3 ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute the hard inquiries listed on my Equifax credit report. Upon reviewing my report, I noticed inquiries that are inaccurate and unauthorized. 

Below are the details of the disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries or applied for credit with the aforementioned creditor on the date specified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Of the three major credit reporting agencies, only Experian charges $ XXXX/month in order for consumers to lock and unlock their credit file. 

When logging in to their site, consumers are first presented with paid upgrades which you must opt out of, each time you log in. 
When you manage to click through several screens and get to your account page, they warn you that your credit file is unlocked and you're more vulnerable to fraud and ID theft. 
Which you must pay for. 

Given their demonstrated inability to protect the voluminous amounts of private consumer information from which they profit, rewarding them with a monthly premium, in order to add additional protection to your personal information, is unacceptable. 

Freezing your credit file with them is free, but unfreezing has been very problematic and time consuming, XXXX. 

XXXX unfreezing a frozen credit file, their system doesn't recognize the ID pin they issue at the time of the freeze. 

Further, the public information they've used to verify my identity ( used to unfreeze a credit file without a PIN ) can be inaccurate or out of date. 
It's extremely difficult, if not impossible, to contact a human at their company for further action, based on my prior experience. 

In no case should they be allowed to mandate that consumers compensate them with a monthly subscription fee, for their lack of ability to safeguard our personal information, in order to lock and unlock a credit file.
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent. XXXX, XXXX, TRANSUNION keep furnishing alleged transaction ( XXXX ) on my account XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX that identified as late / charge off-status.15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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. In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not reply to me stating that you are furnishing accurate information because we both know you are not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


US DEPT OF ED/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

For 2 years I have been told that my covid eidl loan funds were returned to the SBA in XX/XX/2021, only to just find out that Ally bank has been holding the funds in some type of holding account for over 2 years. I have been having to make payments on a SBA loan that I never had access to, meanwhile I have been constantly lied to by Ally bank, who said they returned the funds to the SBA. This whole situation caused me to lose my business in 2021, which is what the funds were meant to prevent.
Product: Credit reporting

I contacted all three credit bureaus regarding fraudulent access to my credit file. I have inquiries which was not authorized. I contacted all three bureaus and was informed that I must contact the companies to remove the inquiries. After I did what I was informed, the companies informed me that they do not have anything in their system with my information. Its ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did the Experian allow such numerous companies access to my credit acount without prior authorization? I request that each and every inquiry be removed and I request an updated credit report reflecting such changes.
Product: Credit card or prepaid card

Hello, While I am thankful and grateful that Capital one gave me the chance to rebuild my credit with limited credit history I feel like the issue I am writing about is something that should have been handled better by capital one. 

My statement billing date up until recently was the XXXX of every Month. On XX/XX/XXXX I received an email from capital one stating my payment due date will be changed to XX/XX/XXXX. So Im sitting there waiting and waiting for my XXXX statement to print out so I would know how much to pay and nothing was sent. I called capital one 4 separate times asking them when my new billing cycle date would be and each time they told me their systems were still upgrading and I would receive something in the mail. Till this date I have not receive anything in the mail in regards to my new billing cycle close date or anything regarding to my new due date. I get an email XX/XX/XXXX telling me my XXXX statement was generated and I would have to pay XXXX dollars by XX/XX/XXXX. This information was not relayed to me via any email or any correspondence by Capital one which will now cause a large Credit utilization to report to the credit bureaus and will cause a negative impact on my credit score. If was able to know what date the billing cycle closes I would have been able to better manage my payments and my overall capital one account. Highly anger about the matter and would like my account to be reviewed for a resolution. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHMENT. YOU HAVE UNTIL XX/XX/XXXX TO ANSWER MY DEMANDS. YOU ARE BEYOND YOUR VIOLATION OF 15 USC 1681c-2.
Product: Checking or savings account

on XXXX I opened a business checking account with Chase bank online and on XXXX I Went into the branch located in XXXX XXXX XXXX XXXX mo to finish setting it up and placed a deposit of almost {$6000.00}. I ordered checks that day and they told me my debit card would be mailed. There was a deposit hold on the check due to the amount which is normal. 

on XX/XX/XXXX. I received an email to call the number on the back of my debit card or my account would be closed. I hadn't even received my debit card in the mail yet. That same day I went to log into my online banking and it would not let me telling me my account had been restricted. On that same day I went back into the branch location I set up the account with and spoke with XXXX the branch manager. She got on the phone with back office and was told Chase had decided not to do business with me and was closing my account. They refused to release the funds in the account and gave me several numbers to call. That same day my receptionist just happened to be in the branch location and they questioned her after I left about who I was and how she knew me. That same day I made several calls to Chase and was given a different answer by each person I spoke with. I was told XXXX ( the bank my law firm uses ) had not cleared the check and they had been trying to reach them because the check had been marked as fraudulent. I spoke with the VP of XXXX XXXX  who provided proof that XXXX had approved the check and released the fund on XXXX. Basically Chase was lying and had my money but had deemed I was fraudulent and was refusing to release me fund. I was told by XXXX in the loss prevention dept that Chase had their own hold on the funds that would be released on XX/XX/XXXX and I could go into the branch and get my funds on that day. 

Today, XX/XX/XXXX, I went to the same branch and spoke with the XXXX XXXX XXXX. He got on the phone iwth the back office who refused to release my funds even though the check had cleared and all hold had been released. I was told the account was now with the legal dept and they could not tell me when if at all my funds would be released. He literally told me they knew the check was not fraudlent and that chase had essentially made an error and their " legal exposure was too great '' which is why my funds were now on an indefinite hold by the legal dept. he was as helpful as he could be but had no authority to do anything. other then file a complaint and ask that it to be expedited on my behalf which he did. 

At this point Chase has committed felony theft. They have literally stolen almost $ XXXX from me. They have also accused me of fraud erroneously, defamed my character, and so on. I have never in my life heard of someone being treated like this by a financial institution and quite literally stealing someone's assets.