23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am giving Equifax, XXXX and XXXX on second notice to remove non public information off my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If accounts are not removed I will report identity theft on bureaus to ftc and Internal Revenue Service Equifax and XXXX and XXXX Bureaus have not given me any notice of dispute of the following accounts above every time I have disputed accounts which I should be notified every single time in accordance to FCRA Law
Product: Money transfer, virtual currency, or money service

Wells Fargo Bank responded to my complaint on XX/XX/2021. The banks response does not resolve the scam issue. 
The bank states that $ XXXX was credited to my new checking account on XX/XX/2021. However, the ( scam ) transfer was posted on XX/XX/2021 from my new checking account. The transfer description indicates the funds are transferred to me via XXXX!!!! 

This indicates two things. First, this is proof that someone hacked into my checking account to make it appear as though I transferred funds via XXXX to myself ( I followed a Wells Fargo representative impostor directions on XX/XX/2021 ). How do I transfer funds via XXXX to myself ( the funds were removed from my checking account )? Second, if the transaction description indicates the funds were transferred to my, WHERE DID IT GO? 

WHY DOES THE TRANSACTION DESCRIPTION INDICATE THE FUNDS WERE TRANSFERRED TO ME??? I DONT HAVE AN ACCOUNT WITH XXXX XXXX!! 

GIVE ME ALL OF MY MONEY BACK NOW!
Product: Debt collection

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Midland Credit Management continues to call and harass me after I have ask them several times to stop calling in violation of 15 USC. 1692 ( d ) 5. 
Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Mortgage

Dear XXXX, In the Lender Letter ( XXXX ) addressed to : All XXXX XXXX XXXX XXXX XXXX ( please see attached letter ), Updated, XX/XX/2022XXXX XXXX XXXX  XXXX my loan investor ) clearly states on page XXXX of XXXX quote : Performing an escrow analysis for a XXXX payment deferral Updated XX/XX/2022 : If the servicer identifies an escrow shortage as a result of an escrow analysis in connection with Covid 19 payment deferral the servicer must spread repayment of the escrow shortage amount in equal monthly payments over a term of XXXX  months, unless the borrower decides to pay the shortage amount up-front or over a shorter period, notless than XXXX  months. Any subsequent escrow shortage that may be identified in the next annual analysis cycle must be spread out over either the remaining term of the initial escrow shortage repayment period or another period of up to XXXX  months. 

XXXX XXXX clearly states that any shortage identified can be paid in XXXX  months. 

United Wholesale Mortgage, through they subservicer XXXX  XXXX ( under the Cease and Desist order issued by Office of the Comptroller of the Currency ), is trying to charge my Escrow Account shortage in a period of XXXX  months not XXXX  months. ( please see attached ). Moreover, the amount of shortage they have identified through a wrongful Escrow Analysis is inflated. ( will be addressed in a separate complaint ). 

Please act accordingly and enforce XXXX XXXX guidelines .My shortage should be spread on a period of XXXX  months not XXXX. 

My loan was modified with the help of XXXX XXXX due to XXXX XXXX and payments were deffeared.
Product: Money transfer, virtual currency, or money service

I use Venmo to receive my direct deposits from my job. I tried to send money to my mother only to find my account was locked. This was after having run errands and using it all day for menial things like the dollar store and a fast food restaurant, however I did receive a transfer from the IRS, my federal returns, which may be relevant? But I had no warning. Nothing popped up on app, I didnt get the email they claimed they sent, nothing. So now they are holding just shy of {$200.00} of my funds and will not release them. I tried calling and they have no customer service you can speak to about account access issues.
Product: Credit card or prepaid card

I am furious. Both my grievances had no resolution and were referred back to XXXX XXXX in area in which he could not and should not be expected to be able to help. Its not his specialization on these issues. Additionally I was told by membership services that I was not ALLOWED to call the membership line to correct errors, help find providers, or ask questions severely limiting my access to your service when XXXX is not available and direct contradiction of the purpose of membership services which is to assist with the above, the benefits packages which tells me to call this number with concerns, and even recent correspondence that directs me to call with questions and concerns while simultaneously and confusingly directing all issues even ones not appropriate for him ( previous XXXX non payments ) to XXXX XXXX. Please remove all restrictions on my access to XXXX XXXX XXXX that help administer my care. I further demand we create a plan to make me whole on payments and submissions that have now had to in some cases be resubmitted or misprocessed 3 times and payment times have often been over 90 days. Im not willing to use the exact same system that has failed nearly a dozen times so I can be repaid and recycle the money to continue seeing my providers. Further every time I seem to submit valid bills there appear to be numerous errors in processing and unfair wait times and thus without a plan to how things will be different in the future it would be unreasonable to expect working with XXXX just to receive my benefits I handsomely pay for will not continue to be nearly a full time job of vigilance, excel spreadsheets, and waiting for you to fix your own errors. 

The following math you wrote does not make sense, a closed account cant go from a {$24.00} balance to over a $ XXXX balance when no new charges can be made as the account has been closed, and statutory timeline had passed to make any changes to a closed account based on a billing error or a fraud dispute. 


On XX/XX/2018, we sent you a credit balance refund for the {$24.00} credit on your account, leaving you with a {$0.00} balance. The payment made on XX/XX/2018 was returned by your bank as you advised the payment was not authorized. We issued a credit to your account on XX/XX/2018 for {$1.00}, leaving your account with a New Balance of {$2000.00}. We are unable to issue credit for this balance. Your account has not been charged off or settled as you mention in your correspondence. 


You mention XXXX as the required balance I am happy to pay it close out this matter and have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XX/XX/XXXX
Product: Credit reporting 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  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, 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 : XXXXXXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX  XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXXXXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX  XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT XXXX XXXX  ACCOUNT NAME : XXXX XXXX  | ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX | ACCOUNT # XXXX ACCOUNT NAME : XXXX | ACCOUNT # XXXX The above said accounts, have 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 an 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 card

Call came in on XXXX at XXXX XXXX from phone # : XXXX and it was a live human female telling me that someone applied for a Bank of America credit card in my husbands name but from a different address than where we resident. We live in XXXX and this address she gave was XXXX, TX. This is 100 % a scam and needs to be reported as they were extremely aggressive with the scam. They even attempted to call me back multiple times after hanging up.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. 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
Product: Bank account or service

I had XXXX bank accounts with PNC Bank. I closed them in XXXX this year. I used online statements. When I went to access my statements they were no longer available and the bank wants to charge {$10.00} a statement.
Product: Money transfer, virtual currency, or money service

I purchased a pair of boots online using Paypal services. The boots arrived damaged and not as described ( big size and extremely poor quality ). I immediately got in touch with a seller but they ignored my requests to refund. I contacted Paypal and shipped the boots back the next day. After I have provided the tracking number but Paypal came back and said that the tracking number is untrackable. I went back to USPS and they pulled the receipt and let me know that the item was delivered a month ago. Paypal refuse to refund my money. I still have the receipt from USPS which sent to Paypal. Please help me to resolve my issue.
Product: Credit reporting or other personal consumer reports

I sent credence a debt validation and they never responded. Im trying to fix my credit soon so I decided to pay the balance. When I decided to pay it, the rep told me that they will delete it from my credit report. After paying and checking my credit report, they updated to close instead. I called them back to asked them why wasnt it deleted as told, no one could not tell me why. They never sent mail telling me that I even had a collection, I just happened to see it on my credit file.
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX. I have been with American Express Serve for years and never experienced anything like what I am going through now. On XX/XX/2021 my account that I have had with you all for 6 years was locked. I noticed this when I tried to pay my bills online and it kept delving my card. I then, went to log into my account several times and could not get in. I tried calling customer service and was told my account was permanently suspended and to write a letter to receive the funds that were in the account. After comparing what could have happened, I realized that my husband received a deposit to my account instead of his and is locked my account. We have both been with AMEX serve for years. I would appreciate if my account were unlocked, so I could access my funds. If this is not done, I will have to file a complaint with the XXXX  and get my lawyer involved. My family desperately needed that money. My entire savings and all are in that account. I am not able to pay any bills, and o am currently sitting in a home without lights because I can not access my funds. I know that my money can not be held. I have work checks, taxes, and other deposits all going to this account that I can not access. My family was already affected XXXX, and now this. My family is in desperate need of this money, or we will lose everything we have! I have a XXXX  and XXXX year old without food, because we have no money. Someone please get back to me via email ( XXXX ) or phone ( XXXX ). I will do whatever it takes to take care of this matter, because my family is in need. Thanks for your time. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I became a victim of a scam with my Truist bank checking & savings account on XX/XX/2022. I had a total of {$990.00} with the 2 accounts. I received a phone a call from a Truist customer service number and the person stated they were from the fraud department and asked if I was aware of the fraudulent activity on my account. I told them I was not aware. They said there was some activity out of XXXX 

Then they told me that i needed to close my account and they would help me, and that I will receive a text message and to give them the code number. I had no idea I was bei ] ng scammed. 

I was on the phone with this person for 45 minutes. I called the bank back to ask them about my fraud claim. The associate had no idea what I was referring to. I asked them to look in the notes. They transferred me to a claim representative to start a new claim. I was confused because I thought I had a claim already when talking with the first person. Its not until then I realized I was scammed. 

I immediately went to a Truist branch to deal with this situation. ALso Truist never gave me a temporary credit of the {$990.00} which other major banks do. I was totally wiped out of my funds, and luckily I have money in other banks. They opened a new account for me and submitted a claim for fraud. After looking through my account at the branch, you can see that someone was trying to access my account for approximately 2 months and may be even longer. I can only view from XX/XX/2022. They tried to access my account 4 or 5 times a day from a XXXX XXXX IP address. I don't even own a XXXX XXXX. My logins are from my XXXX XXXX Desktop. They were trying to gain access in the wee hours of the morning, early morning, and late at night. Most banks shut down your account temporarily when then there's unusual activity and then notify the customer. This has never happened. I never received any notification from Truist of all this excessive unusual activity from all of XXXX and XX/XX/2022. The average bank customer does not access their account daily and 4 to 5 times. This was going on all this time, and I had no idea. Truist acquired Suntrust and so Im a new customer to Truist as I was previously with Suntrust. 

I received a denial letter of my complaint from Truist on XX/XX/XXXX. They never gave me a temporary credit of the money that was fraudulently taken from me. Truist states that I authorized a one-time passcode. I unintentionally gave the person the passcode, thinking I was talking with a fraud claim representative from Truist. I had no idea I was being scammed. I didn't realize I was being scammed until I saw all my money was wiped out of my account. 

Truist is not protecting their consumers because they should have notified me of all the unusual activity in my account. This unusual activity is clearly stated on the login activity. The unusually activity is still happening as of today. 


My original complaint number is XXXX, and another complaint number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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
Product: Checking or savings account

Truist bank : XXXX overdraft fees overnight. As of XX/XX/2022 I had overdrawn my checking account, it was XXXX overdrawn. I deposited XXXX in my account on XX/XX/2022 at XXXX pm. Making my balance XXXX. I did order groceries online for delivery. 
Truist bank switched dates on some purchases so they could charge me 4 overdraft fees overnight. It is now XX/XX/2022 XXXX a.m My account is now negitive XXXX. 
This happens every month because they move the dates of my purchases. 
I'm XXXX and I get XXXX. I struggle as is. I don't need a crooked bank playing a shell game with my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Accounts that are in violation include : Account Name : THE HUNTINGTON NATL BA Account Number : XXXX Account Name : XXXX Account Number : XXXX Under 15 USC 1666B this is a billing error, this account was always paid as agreed on time. This is an error and this account in violation. 

By law, transactions are not to be reported on a consumers credit report. Therefore, companies that report such transactions such as late payments are also in violation of the FCRA. 

Please update payment statuses accordingly, otherwise please delete this fraudulent account and fraudulent activity from my consumer report immediately. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

Hello, I read US Bank advertisement on a websites regarding its XXXX Olympic promotion which ran fromXX/XX/XXXXto XX/XX/XXXX. 
It promised to give additional bonus points to new card holders depending on number of Gold, Silver, and Bronze medals of XXXX XXXX on XX/XX/XXXX Olympic. 
Each Gold Medal = XXXX points Each Silver Medal = XXXX points Each Bronze Medal = XXXX points I applied to this offer and got approved on XX/XX/XXXX. 
But US Bank refused me the Olympic bonus points because I applied using " third party website '' and not flexperks.com that is owned by US Bank. 
But any " third party website '' will link to XXXX where US Bank got my application and subsequently approved it. 
If " third party website '', like XXXX, did not facilitate nobody will know about XXXX, US Bank, or its products. 
The XXXX advertisements are still there. 
You can see them live on XXXX XXXX XXXXusbank/ for both dates XX/XX/XXXX and XX/XX/XXXX. Just scroll to these dates. 

I attached screenshots of this pages. 

I see actions of US Bank as False Advertisement and would like to get US Bank reprimanded. 

Thank you. 

XXXX XXXX