23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, there was an unauthorized withdrawal of {XXXX} charged as a loan against my personal line of credit with Suntrust ( now Truist ). The next day, there was another unauthorized withdrawal with the exact same amount. The total reached to XXXX. 

As soon as I found out about these charges, I called Truist and reported the matter. I was told that it would be investigated and I would be informed of the results in a week. That was a promise never fulfilled. 

Six months passed and during that time I made numerous phone calls to so many different departments of Truist but all were in vain. The only thing I was told was that those unauthorized withdrawals were the result of an internal fraud of Truist Bank and the matter was under investigation. 

After I had exhausted all the sources I could reach by phone, in XXXX, I went to a branch and talked to the branch manager. I was asked to fill out a form to report the matter in writing as if it was never reported before, and I did so. Nothing happened afterward. 

I made more visits to the branch and talked to different clerks. Every time, I received the same response : " We'll follow up the matter and will get back to you in a week or so. '' After eleven months and so many frustrating phone calls and visits, my account still shows a balance of $ XXXX} which includes those two withdrawals and the accrued interest. Last week, I received a notice from Truist that my " loan '' is delinquent and it would be transferred to a collection agency and the delinquency would be reported to the credit bureau! 

I tried to close all my accounts with Trusit, but the branch manager is saying that it can not be done as long as my line of credit is showing an unpaid balance. 

The whole issue is very absurd and unexpected. The carelessness and irresponsibility of a reputable financial institution toward a fraud case is unimaginable. Please, help me to end this absurdity and close my banking relationship with Truist forever. 

Part of the email exchanges between the branch manager and I about the subject are attached. The information of the phone calls ( date & number ) are also available and can be submitted upon request. 

Regards, XXXX XXXX
Product: Debt collection

I am filing this formal complaint regarding XXXX XXXX XXXX and its inaccurate reporting on my credit file. Specifically, I have noticed an alleged debt on my credit report that I do not recognize, and despite my attempts to resolve this matter, XXXX XXXX XXXX has failed to provide sufficient documentation or validation for this account. The continued reporting of this unverified debt is causing significant harm to my creditworthiness. 

Violation of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute and request the verification of any information on my credit report. It is the responsibility of the credit reporting agency and debt collectors like XXXX XXXX XXXX to ensure the accuracy and validity of the information they report. XXXX XXXX XXXX has failed to provide clear documentation proving the legitimacy of this alleged debt, and as such, it continues to be reported without proper verification.

Additionally, under FCRA Section 1681e ( b ), all consumer reporting agencies must maintain reasonable procedures to ensure the accuracy of the information in consumer credit reports. The failure to verify the accuracy of this debt and the continued reporting of the account without adequate validation is a direct violation of my consumer rights under this statute. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, debt collectors are required to provide verification of the debt upon request. I have requested validation of the alleged debt from XXXX XXXX XXXX but have not received any documentation that proves the debts validity or its association with my financial history. This lack of response and failure to provide verification violates the FDCPAs requirements for debt validation. 

As a result, the continued reporting of this unverified debt is a violation of my rights under both the FCRA and the FDCPA. The unsubstantiated debt is causing harm to my credit profile, and I request immediate action to resolve this matter. 

Resolution Requested I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue thoroughly. Specifically, I seek the immediate removal of the disputed account from my credit report across all credit reporting agencies ( XXXX, TransUnion, and XXXX ) unless XXXX XXXX XXXX can provide valid documentation that properly verifies the debt. Additionally, I request that all collection activities related to this account cease until proper validation is provided in compliance with the law. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue and ensuring that my credit report is accurate and compliant with all relevant consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will highly appreciate if you could help me solve this issue. I am sending this CFPB Complaint to inform you that the 3 credit bureaus had violated the FCRA Section 605b by inaccurately reporting inaccurate information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. These are the following accounts that needs to be corrected : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act : this, XXXX XXXX  {$1700.00} Account : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate.
Product: Debt collection

Portfollio Recovery has been asked several times to stop calling me and to send me something about a debt I do not know of. When they call and I ask them to this, I get " sorry what are you saying I do not understand what you are saying, I am trying to collect a debt, I do not know what stop calling means. '' I have told them this on three different occasions and they continue to call both my house phone and my cell phone. I have blocked about XXXX numbers from my cell phone. I am not going to agree to pay a debt I know nothing of. If they can not send me something in writing then they need to stop the calling. They will not give their address to send something to stop the calling. I am making a log of every time they call.
Product: Bank account or service

I was recently charged an extensive amount of Overdraft fees in the amount of {$100.00} and a monthly maintenance fee of {$12.00}, totalling {$120.00} in fees added to my checking account above. 

My account was originally overdrawn by Bank of America on XXXX/XXXX/16 in the amount of {$12.00} for a monthly maintenance fee. Then subsequently you they allowed XXXX to charge to my account rather than declining it an additional XXXX on XXXX and XXXX on XXXX ( Resulting in additional overdraft fees totaling {$100.00} ). I was not aware of XXXX charging this amount to my account for a onetime credit report we pulled and have since cancelled and you will see a credit of XXXX on XXXX and still pending a credit from them for XXXX.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

In acct # XXXX, this acct is isolated from the outside minus a few specific types of secured transactions ... edi, ach ... etc and I used this acct to be the holding spot for transfers to places like XXXX. 

On XX/XX/XXXX I was debited {$6.00} & {$74.00} for products I ordered from XXXX, but never recieved.. XXXX claims the products were delivered to the hotel, however, I never recieved them and believe this to be of a greater malfeasance effort by the hotel 's deceptive practices and the less than adequate & properly screened employees. 
These transaction must be disputed as product not received, given XXXX fails to provide a manner to internally dispute this on their platform.. 

Additioanlly, On XX/XX/XXXX a XXXX ( XXXX ) purchase was made of {$230.00} -However, I was declined service, yet they kept my $ XXXX This transaction must be disputed as a bait & switch matter where they rejected my stay due to having service animals and the employees failed to internally document this matter.. I was held accountable for their employee negligence?? XXXX XXXX as a merchant policy accepts money and then calls police to remove customers from their property without refunding the money paid for the product/service. This charge must be disputed and charged back to merchant. 

Lastly, this is the merchant transaction that began this whole entire mess and is the focus of discussion with Counsel for next steps with the merchant ... On XX/XX/XXXX XXXX XXXX debit of {$430.00}. This debit was not the agreed terms nor the agreed rate and due to my complaint for this transaction ; I was forcibly removed from the property and I suffered from loss of property totalling into the {$500.00} range, The merchant policy to conduct themselves in deceptive and dishonest practices and then weaponize the police to complete their dirty dealings is abhorrent. Furthermore, debits on XXXX & XXXX for {$100.00} were unauthorized and among the others, must be disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX XXXX XXXX loan listed on my equifax credit report that i have know of.According to 15 usc 1692 g validation of debt has yet to be verified for the closed account open for collections.I do not recognize how this account is reporting on my credit report.I dont recognize the account number, I dont recognize the status, I dont recognize the account high balance nor do i recognize the late payments associated with it .everything reported here does not meet the FCRA XXXXFCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) XXXX XXXX ;, Beneficiary
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I got a email from Experian. That a company named XXXX XXXX this is identity theft never opened this account never delt with them. They need to take this off. This account is not mine
Product: Credit card

I have been fighting for a long time to have this fraud account remove from all XXXX credit bureau.
Product: Checking or savings account

Chime close my account with letting me no anything. I still had have dispute and they deny me. For money I didn't received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXXXX/XX/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 ( XX/XX/XXXXl : Act # XXXX ) XXXX : Opened, N/A : Reported, Unknown : Condition Balance : {$310.00} ( XXXX XXXX. # XXXX ) XX/XX/2017 : Opened, XXXX : Reported, Closed : Condition Balance : {$13000.00} ( XXXX XXXX XXXX. # XXXX ) - XXXX : Opened, XXXX : Reported, Unknown : Condition Balance : {$880.00} XX/XX/Acad XXXX, Contact : Not Available ( XX/XX/CcXXXX, Contact : Not Available ) ( XXXXXX/XX/XXXX Act. # XXXX ) XXXX : Opened, {$13000.00} : High Balance, {$14000.00} : Balance, Installment : Account Type, Open : Condition, XXXX : Reported, {$390.00} : Payment
Product: Debt collection

According to 18 USC 894-Collection of extensions by extortionate means, to punish any person for the nonpayment thereof, shall be fined under the title or imprisoned not more than 20 years of both.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. 
Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I have checked my XXXX credit report and it gave me an collections alert from XXXX XXXX XXXX XXXX stating that alert date of XX/XX/XXXX. And status date of XX/XX/XXXX, for {$63.00} in which I have never received due to me being overseas. They have reported it to my credit scores and have damaged my credit score for a debt that I know is not mine since Im good at paying my debts, I havent received any calls or anything about the matter as well notifying me that I owed them and they have just reported it to my credit scores I dont even have photos or any paper trails about this matter.
Product: Checking or savings account

I looked at my account on Saturday XX/XX/XXXX and there were 2 Pending transactions for XXXX. These were not my transactions as I never use XXXX and therefore unauthorized transactions. I immediately called CHIME. I requested a cancel of my old card and a issuance of a new card to prevent any additional unauthorized transactions. The representative on the phone said he would cancel the transactions that were literally only hours old and that the money should go back into my account he said to check later. 
The transactions were for XXXX XXXX @ XXXX AM XX/XX/21 and XXXX XXXX  @ XXXX AM. I called them around XXXX to report these. The representative said the transactions should fall off in a day or two and to call back if there are issues. Two days later both transactions had posted and money taken out of my account. I called CHIME again to advise them what happened and what is going on, I was told I had to file a dispute. I filed the dispute and a week or two later received an explanation why they WERE NOT GOING TO REFUND MY MONEY. No where in the explanation was there any credence to WHY they were not going to refund my money. They simply denied my case because i had a low balance and a bunch of statements that does not prove anything ... which I always have a somewhat low balance on this account because i use it as a spending account. I called them again asking why they had made this decisions where there was clear fraud on my account and they proceeded to question me as if I WAS THE GUILTY PARTY. Honestly, its not a lot of money to me but its ' the point that the bank who is supposed to secure my money decided not to do the right thing. At this point, I reached out via email again and have not received any further responses from them. Claim number with CHIME bank is XXXX.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$850.00} with LVNV FUNDING LLC ( c/o Resurgent Capital Services ) Account number : XXXX. I do not have a contract with LVNV FUNDING LLC, and they did not provide me with an original contract with a wet signature and ID verification as requested.
Product: Debt collection

Case number : XXXX Related Case Number : XXXX Chase receivables has been notified of the fraudulent activity for which they have a collection. The agent stated that the merchant was notified and that there was no information needed from me as I am not liable for the fraudulent use of my account. 

Chase Receivables has not submitted for removal of adverse and incorrect information on my credit report.
Product: Credit card or prepaid card

Hi! I 'm XXXX XXXX XXXX credit card customer since XXXX 2017. Due to advertisement like 50 % more value of reward point when use for travel through Chase ultimate reward site. That 's totally false advertisement. I booked my travel that way more then 5 times. Most of the time I got only 35 % more value towards travel. Example I purchased travel ticket worth {$1500.00} I had to use reward pointXXXX= {$1000.00}. As per advertisement it supposed to be reward point XXXX = {$770.00}. Another thing they mentioned about travel interruption insurance. I purchased ticket through XXXX XXXX XXXX site for my self and my Grandfather. Due to lack of information on XXXX XXXX  travel website about transit visa requirement, my travel plan interrupted. I was standing at XXXX airport with XXXX year old man ( my great grandfather ) to resolve the issue and Chase Ultimate Customer service agent was n't help at all. Other third party website " Red Flagged '' transit visa requirement since very unusual when you switching flight on same Airport. For my travel interruption I blame Chase travel website since they did n't had unusual visa requirement information on their website. While other third party travel website vendor done good job in that. I 've been working with XXXX XXXX XXXX  customer service agent since last 2 months to resolve issue and get my reward point back. Other complaint I 've XXXX XXXX XXXX Customer service and XXXX XXXX XXXX Customer service acting as two separate entity. Customer has to go to back and forth with them to resolve any issue. I was misguided with many false statement by their customer service agents. That 's fraud to customer. Like example one customer service agent contacting me to resolve issue for travel interruption reimbursement. She mentioned that they ca n't provide any resolution until I 've any dispute clear on my XXXX XXXX XXXX card. They do n't sync with each other. I called XXXX agent and ask about dispute, They mentioned it was successfully closed. After that confirmation I called XXXX XXXX XXXX agent this time I got different agent and I 've received false information stating that your case was marked resolved when I called 1st time on XXXX XXXX 2017. That was false information because I 've call record where XXXX XXXX XXXX  representative " XXXX '' calling me for resolution and mentioned that I 've to take care other vendor dispute on XXXX XXXX XXXX card. That 's kind of fraud to customer. Chase customer service agent throwing statements in air, One agent give different statement and other agent gives different statement. I 'm seeking help from your organization to resolve issue and Chase take action on their Travel website and fix the error they have on it so person like me not suffer in future. I was really bad time for me while I was on 3-4 hours on call with Chase with no resolution and XXXX years old man looking at me with positive hope. I 've made very nice article to put it on social media to make aware other consumers with screen shot from Chase Travel Website Vs Third Party travel Website.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX  XXXX and XXXX {$110.00} XXXX XXXX XXXX XXXX {$97.00} XX/XX/XXXX  Same Accounts XX/XX/XXXX  Same Accounts Ive contacted the companies and Credit Bureaus All I get in return are they have identified that these belong to me. These accounts have been charged off and are still open revolving accounts damaging my credit score. I did not receive a XXXX  from the IRS. These are noncompliance FCRA regulations and need to be removed immediately
Product: Debt collection

I am late with my XXXX payment on account with Syncrhony Bank and they have called day and night since XX/XX/XXXX, and they called me on Sunday this week, which is a violation. The payment was {$40.00} and now they want me to pay {$100.00}.
Product: Student loan

After reviewing my Fedloan account XX/XX/XXXX, I noticed that my Outstanding interest had been {$30000.00} but was changed to {$21000.00}. Consequently, the Principal Balance had been {$180000.00} but was changed to {$190000.00}. I had not made any recent payments, nor did I place a request for this change. 
In my letter to XXXX, I informed them that this change in distribution will significantly affect the amount of interest on the principal when student loan repayment restarts after XX/XX/XXXX. 
I contacted Fedloan servicing on XX/XX/XXXX concerning this change and the customer service representative was unable to determine why the change was made and who authorized it. After several times placing me on hold during the call, she finally informed me that I can request an account review. 

After reviewing my account on my own, I noticed that the adjustment is on a payment of {$8300.00} which was made by my employer on XX/XX/XXXX. This payment was initially applied to the principal. However, sometime in XX/XX/XXXX, this payment was split so that {$300.00} remained paid to the principal while {$8000.00} was moved to pay interest. My understanding is that all payments would be applied to principal during the pandemic. 

I would appreciate if this matter can be investigated.