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

on X/XX/2017, i personally went into suntrust branch at XXXX, TN to open a business account with my ID, they told me i qualified for a promotion of {$200.00} bonus if deposit XXXX total within 30 days ( which i did, you can see from statement attached ), shortly after, i received my debit card and bank statement, without anyone notifying me or give me courtsey phone call or email, suntrust claimed fraud issue and closed my account, it caused me stress and inconvenience, not mentioning i wasted 1 hour at the branch epening the account. When i contacted suntrust for an explaination, they said they can not tell me reason but said decision is final. While i understand suntrust has the right to close my account, i do not appreciate the lacking of common courtsey calling me to let me know. This was my 1st time ever with suntrust, and poor customer service left a bad taste. I wont recommend them to anyone.
Product: Debt collection

Received a forwarded letter from accelerated collection stating i owe them money plus interest for a debt. 
I do not recognize the accounts in question. I reached out to the company and had no response.
Product: Checking or savings account

I have tried to both TELEPHONE and sent WTO EMAILS to BB & T " Mt Banker '' concerning the problem on my checking account. 
1. I have scheduled to have my monthly Mortgage payment " sent '' to XXXX XXXX on 2nd day of each month - e.g. XX/XX/XXXX. There is no ePayment available from BB & T to XXXX XXXX and I complained about that to my previous banker who opened my account XX/XX/XXXX. Since the mortgage is due on the 5th day, I used the 2nd day to ensure no late mortgage payments. 
2. I initiated an online transfer of funds from XXXX XXXX to BB & T about XX/XX/XXXX, and received a confirmation that the " Transfer of {$3000.00} was complete '' at XXXX on XX/XX/XXXX. 
3. On XX/XX/XXXX, I received a text message from BB & T that there were two Overdraft Fees of {$36.00} each assessed on my account on XX/XX/XXXX and XX/XX/XXXX. 
I logged into my account and could clearly see the Posted balance each day was {$3500.00} and {$3200.00} and no items had been presented for payment to incur any Overdrafts on XX/XX/XXXX and XX/XX/XXXX. 
I phoned XXXX XXXX, Senior My Banker at BB & T and asked them to please REFUND THESE TWO charges immediately. I have not heard from them, and sent another email showing both the Screen Shots from Saturday XX/XX/XXXX - showing Posted Balance with no overdrafts for items Posted to y account on XX/XX/XXXX nor XX/XX/XXXX. 
4. I requested in my email to XXXX to meet to discuss how to handle regular Mortgage payments to XXXX XXXX as it seems BB & T does not have any e-payment process in place for XXXX XXXX - a major international correspondent back. As of today, Tuesday, XX/XX/XXXX, I have left two voice messages and sent two emails. I also emailed the {$3000.00} Transfer Complete message with email time stamp to BB & T. XXXX. Finally, today I spent 38 minutes on the telephone with XXXX in XXXX ( XXXX ) to try and understand why and how it is legal for BB & T who yesterday and today charged an additional {$72.00} and {$100.00} on XX/XX/XXXX and XX/XX/XXXX for overdrafts that have NOT YET POSTED to my account, and she says they start " processing '' mortgage payments and it takes two or three days and " BBT takes the money out of my account '' to arrange an ePayment to XXXX XXXX. But I do not show ANY Posted Items and NO OVERDRAFTS to result in any overdrafts. Also, CapitalOne completed a transfer into my account on XX/XX/XXXX - that has not shown up until TODAY, XX/XX/XXXX as " Pending '' in BB & T. 
FINALLY< I asked that they refund the seven BOGUS OVERDRAFT fees assessed totallying {$250.00}. They have refused and said they are allowed to take money out of my account in the back office to " prepare '' for a scheduled payment several days before that payment should be mailed. I DON'T THINK THIS IS LEGAL - and the Posted balance I view online should be the true and correct and accurate statement of the funds in my account!!!
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit card or prepaid card

Hello I have been waiting weeks for my prepaid Way2Go card And I still havent received it I called and asked if I can get a tracking number and said thats not possible when they gave it to other people living in the same household now they are charging me with a replacement when I never received one and got paid, also I asked if XXXX  year old and older can sign up for the go program and they hung up on me Im receiving benefits but im still waiting for my Way2Go card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter to experian disputing items i felt where wrong on my credit report and haven't got an update as of yet.
Product: Credit card or prepaid card

I applied for Pa. UC on XX/XX/2020 and was accepted and payments were started for my account, I can check the payments and see they are paid to " US Bank ReliaCard XXXX but they have fail to send me the required Debit card so I can access the funds that are being paid on my behalf, I have called the phone numbers provided several times each day and spent as much as 4 hours on hold with no one ever answering the phone, from what I have read the debit card should have been issued about 10 days after the first payment was made, as of the writing of this letter it has been 44 days, for this amount of time I have had no income even though the funds are available for me but for the lack of US Bank not sending the required Debit Card. I am becoming desperate to try and live with no income because it is held by someone who was suppose to have released access to the funds, anything you can do to help would be great. Thank You
Product: Credit reporting or other personal consumer reports

These companies pulled my credit report without my permission, which has hurt my credit and score. Even though I reached out to Equifax and was promised that these inquiries would be removed, theyre still showing up. The fact that these unauthorized and fraudulent inquiries remain is causing me a lot of anxiety, especially since it could mean Im dealing with identity theft. Its adding extra stress to my life and affecting my credit score even more.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX. Account # XXXX, Account name : XXXX XXXX XXXX XXXX. Account # XXXX, Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, has violated 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Transunion will not comply with taking all the negative accounts of my credit they are fraud all the credit bureaus were provided with police report regarding the identity theft on my credit my score has been destroyed due to there negligence I am attaching a recent account that needs removed off my credit permanently
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit bureaus obtained my XXXX XXXX filing with the courts with XXXX XXXX XXXX in XXXX VA without my knowledge or without consent of the courts. The courts advise they do not release any confidential information to any credit bureaus. I would like this information removed from all company 's records as it is causing issues with my current life status. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX TransUnion LLC XXXX XXXXXXXX XXXX  XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX - XXXX
Product: Debt collection

I was contacted by mail from a their-party company by the name of Radius Global Solutions about collecting a debt for XXXXXXXX XXXX XXXX XXXXXXXX XXXX On my credit profile it shows under my XXXX report as account charged off by XXXX for the amount of {$340.00}. I sent out a letter to Radius Global Solutions at the address listed on the mail and online ( same address ) about this matter. On XX/XX/year> my letter was received and picked up by Radius Global Solutions at their listed address. In this letter I included that I would like to come to a settlement option. With these terms I included that I would like to have a response within 14 days of receiving my letter. I have USPS tracking to provide proof. I sent the letter by certified mail. Please note that my offer the company is not an acknowledgement of the validity of the debt but is a goodwill effort to resolve this matter. It is their obligation under the Fair Credit Reporting Act ( 15 U.S. Code 1681s2 ) to ensure the accuracy and completeness of the information that is being furnish to credit reporting agencies. 
They have not responded to me. The USPS tracking number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in two police reports and 3 other cfpb complaints. This account is fraudulent, my name was used for identity theft. I have also sent in several FTC identity theft reports since XXXX of last year. This company had deleted this multiple times and then reports it back to my credit. I need this PERMANENTLY deleted from all 3 bureaus and never reported again. This is defamation and negligence and I have tried to give the company a chance to fix this before I pursue legal matters. My name was used in an identity theft crime. The police are searching for the perpetrator. This needs to be deleted from my credit permanently and never reported again. I called in and spoke to a collection manager and she was helpful to saying the would work on this matter. But it has yet to be deleted.
Product: Checking or savings account

On XX/XX/XXXX I received a letter from XXXX XXXX, Collections Manager of Cardmember Service at USBank, ( XXXX XXXX XXXX for my defaulted business credit card ending in XXXX XXXX XXXX XXXX ) stating that the bank exercised their " right of offset '' by charging my USBank personal banking account ending in XXXX, for {$900.00} on XXXX  and that they would not be responsible for any overdrafts that might occur due to this offset. This action put me into overdraft and has caused me financial distress, I'm a stay at home mom and am not employed. I called the above number and spoke with XXXX XXXX XXXX, and then with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX today ) to be refunded the money. I told them that it is in violation of the Federal Law 1026.12 ( c ) ( 3 ) ( ii ) ( B ) Federal Reserve Board Regulation Z, Section 226.12 ( d ), which prohibits financial institutions from applying " right of offset '' to credit card debit. They said it doesn't matter because it was part of the cardmember agreement to let them have the " right of offset. '' They said they would put in my request but that they normally only refund 25 % of the amount, and they send it in a check form which does nothing for my overdrafted account today. It is very frustrating to feel like there is no recourse for their actions.
Product: Credit card or prepaid card

XX/XX/XXXX - Dispute was filed XX/XX/XXXX - Merchant responded with incomplete data ( missing proof ) XX/XX/XXXX - I responded wth a seven page response showing : What was expected and what was received. Also included correspondence with the merchant. 
XX/XX/XXXX - City investigators responded and asked for proof the merchant said he would refund me XX/XX/XXXX - Citi re-opened the investigation and told me to call back in a week XX/XX/XXXX - Called back to citi. There is no update on the investigation. Told to withhold payment until investigation could be resolved. 
XXXX - Called back to citi. Dispute representative acknowledged that the merchant did not provide the service. She said there is nothing she can do and that there were no supervisors available. 
XXXX - Called back 15 minutes later. Spoke to supervisor -- a work request is issued and a {$100.00} courtesy credit is given. 
XX/XX/XXXX - Called back to citi. Still no word about the work request. Supervisor acknowledges that the dealing given by Regulation Z is in 3 days and that they will miss it. 


The dispute has been going on for over 2 months and more than two billing cycles. Resolution does not seem like it is approaching. A legal demand has been issued to Citi to deliver the investigative information and refund the charges.
Product: Debt collection

I called Caine-Weber about a debt I had. I was trying to explain to the guy that I already spoke with the original place and he kept cutting me off, talking over me. He then got louder told me to shut up that he's talking. I again said I spent 45 minutes on phone with the place and they told me to debt agency. He again started being loud and threatening so I just hung up. I was trying to do right and settle but he was going to try to work with me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit file as a result of identity theft : XXXX HARD INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All XXXX XXXX XXXX   XXXX XXXX XXXX, VA XXXX ( MAI ) L O-NLY - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies None provided - XXXX XXXX XX/XX/XXXX XX/XX/XXXX Telephone Companies XXXX XXXX XXXX XXXX, FL XXXX ( MAI ) L O-NLY COLLECTIONS : - XXXX XX/XX/XXXX {$360.00} - None provided - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX HARD INQUIRIES : - XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX   and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX PO BOX XXXX XXXX, DE XXXX ( XXXX ) XXXX EXPERIAN - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX - XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX - XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under trafficking as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.

Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage.

According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information.

I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request.

I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Product: Credit card or prepaid card

I have been listed as XXXX twice after paying off the full balance through Synchrony Bank and Walmart. They have also reported the same account twice with different account numbers on my report with derogatory remarks after full payment.
Product: Debt collection

I sent Aargon agency this document certified mail and Aargon agency did not send the requested documents asked for in the validation request I mailed. Aargon agency sent me a document that was typed out on a plain piece of paper with Aargon agency logo on the top. I'm 200 % positive there is no agreement with my signature stating that I owe Aargon agency Anyone create anything from a plain piece of paper. The response Aargon agency sent to CFPB is bogus! I know my rights as a consumer! Aargon agency is a third party company who is to abide by the FDCPA laws. The validation request I sent goes as follows : I hereby dispute your claim and request validation of the alleged debt pursuant to the Fair Credit Debt Collection Practices Act. Please provide competent documentation as follows : Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Document evidencing your company has the right to collect the alleged debt. The total debt balance with an explanation of all interest and fees. Date the debt became delinquent and/or the date of the last payment. The name and address of the creditor and the creditors account number associated with the debt. The name and last known address of the debtor as it appeared in the creditors records before the assignment of the debt to your company. The names and addresses of all persons or entities other than your company to which the debt was assigned. Send me proof that you are licensed to collect debt in my state. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications MUST BE DONE IN WRITING as telephone calls are inconvenient. FURTHERMORE, THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS! Remove this immediately from all three credit reporting agencies for Aargon agency has violated FDCPA laws!
Product: Credit card

Citibank holds an alleged credit card debt in my name. On several recent occasions, they sent someone to my home ( assuming it was hired thru their collection agency ) who pounded and banged on my front door for an extended period of time. This is a violation of federal law. 
I finally received a notice from Citibank 's Collection Agency that was dated months back. I emailed and mailed notices requesting verification of the debt, which they have not provided. I offered several different options for settlement, which their collection agency says Citibank denied. I wonder if their collection agency even sent the offers for settlement to Citibank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal Dispute of Inaccurate Information on Consumer Report Dear Sir/Madam, I am writing to formally dispute the accuracy of the information contained in my consumer report, as obtained from your agency. Upon reviewing my consumer report, I identified instances where non-public information has been disclosed to a non-affiliated third party without my written consent, which constitutes a clear violation of the obligations outlined in 15 USC 6802. 

Upon reviewing the relevant statutes, it has come to my attention that I was never provided with the option to opt out of the disclosure of my personal information, as required by law. I hereby request that you provide evidence demonstrating that I was given the opportunity to exercise my right to opt out, as mandated by law. 

Furthermore, I would like to draw your attention to 15 USC 1681b regarding permissible purposes. I never provided written consent for the reporting of my personal information, and the lack of such consent raises concerns about potential identity theft, constituting a violation under 18 USC 1028a. A report has already been filed with the Federal Trade Commission ( FTC ), and my reference number for the case is XXXX

In light of the above, I demand that you promptly remove the following account from my consumer report : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you adhere to the requirements outlined in 15 USC 1681c-2 and remove the mentioned account within four business days from the date of this letter. It is crucial to emphasize that my dispute is not with the creditor but with your reporting agency. Reporting items on my consumer report without obtaining my written consent and failing to provide an option to opt out is a direct violation of my rights.

I expect immediate action to rectify these issues, and I request that you provide written confirmation of the removal of the disputed information. Additionally, I demand that you cease all methods of verification related to this account. 

Failure to address this matter within a reasonable timeframe will leave me with no option but to pursue legal action to protect my rights under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX