23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I need a copy of reports so i can take actions. Fraud, disputes
Product: Checking or savings account

I received a check from XXXX XXXX XXXX XXXX in the beginning of XXXX for a auto loan and deposited it in the person who I was buying the car from account. A issue happened with receiving the car and the owner wired the funds to my account with Truist Bank. The check is a legit check that I am currently paying a loan on, I already submitted documents to Truist Bank that everything is legit and this is going on 2 months and they are still holding my funds and not giving me any answers. I would like to know when will this process be finished because I need my money and I feel like they are taking advantage of me and robbing their clients. My next steps will have no choice to take this up to the Attorney General, the XXXX XXXX and XXXX, because this is not fair and a injustice. I feel like I am being discriminated against for putting a large sum of money in their bank. If they do not want me at their bank, then just give me my money back and close my account, but to hold my money without any answers or communication is an injustice and not right. Please let me know what you can do because I am being taken advantaged of and robbed.
Product: Bank account or service

I opened a SunTrust checking on a promotion. {$250.00} Half if you deposit {$100.00} within 14 days of opening and the other half when you maintain deposits. I will include correspondence, but what it boils down to is I was deemed ineligible. I began to investigate and saw a discrepency on their promotion details. SunTrust clearly in print says 14 days. 
I have always understood banks and businesses to use " business days. '' Well I would have qualified for the promotion had it been " 14 business '' days. SunTrust said " we meant calendar days. '' Which is represented no where in their promotional document in plain public viewing eye. I kept following up and asking for clarification and I kept getting the same ineligible computer generated CSR response. I finally spoke to one CSR and I was " put on hold '' while they read the XXXX paragraphs of the promotion detail and then " click. '' I called back and spoke to one of the execs XXXX XXXX or XXXX and I could n't connect with her, she just left a generic response for me of my ineligibility. I spoke to another exec that agreed to present my pointing out of SunTrusts vague and imbiguous promotion terminology, still SunTrust says I am ineligible. I went to XXXX page and voiced my opinion. Still to this second, SunTrust is unwilling to admit that they have misleading advertising terminology and that it is open to interpretation and not specific. I am asking that they show me banking policies where " days '' are used in the banking world for transactions as opposed to " business days. '' Then a representative responded to my XXXX post and said " all transactions mean days unless otherwise specified. '' Again they proved my point. Their " disclaimer '' does not appear on the actual terms of the promotion. I interpret banks as using " business '' days, not " calendar days '' when I do transactions with them. I feel they should honor the promotion and deposit the funds into my account. They are in error. Their advertising department is responsible for the open-ended, vague communication of their promotional terms. Why should I be penalized for that? In all, I have proof that my funds left my XXXX in time to qualify also, but for whatever reason, SunTrust kept saying it was n't there until it was too late. Also let 's not forget that Monday, XX/XX/2016 was XXXX and all banking institutions were closed. So my money being delayed was not my fault, it was due to banking day holiday. 
I want them to admit their advertising is ambiguous and prove to me that banks use loose terminology when making contracts and doing business. I just want to see it in writing. I would also be satisfied with a code of laws to search to see where banks use days as opposed to business days.
Product: Debt collection

I saw the debt from ability recovery services and XXXX XXXX XXXX. I called Ability and they told me it was transferred to XXXX XXXX XXXX so my call was transferred to XXXX XXXX XXXX. I have reported XXXX XXXX XXXX as they refused to send me a bill and explain my debt as well as harassed me. My account was then closed with XXXX XXXX XXXX and it disappeared through ability. It then reappeared with a different amount and I have received a bill after the collection was closed in the mail from XXXX XXXX that states a doctor I have never seen, on a day I was never hospitalized, and with insurance that I never had during the time of the bill. There are multiple reviews from people who have reported both companies fo fradulant medical bills similar to the experience I am having. I gave ability recovery services a chance to explain my debt but was transferred and now it has repopened since being reported.
Product: Debt collection

Friday XX/XX/year> after XXXX XXXX a white truck drove up to my residents and took out a tablet and took pictures of my residents which was caught on camera and drove away fast. Which I saved and have the video. The next day Saturday XX/XX/year> he returned an which my brother recognized the truck from the video and my brother then told him he was seen on video taking pictures of our resident in which he stated Midland Credit makes them take pictures of residents. He was told not to ever take pictures again of this resident. XX/XX/year> a lady drove up disgust herself as a delivery person holding a XXXX box like she delivered for them and took a picture of me or video before even saying anything to me and said im sorry i hate doing this and handed me papers from midland credit. I feel my privacy has been so violated by this company over and over from them taking pictures of my residents to taking unauthorized pictures of me. Please look into this companies tactics and violating privacy rights. I have attached a picture of the truck pulling up to my home and the video I have shows him pulling out his tablet and taking pictures. But its too large to attach.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Investigation Timeframe To Whom It May Concern : I am writing to formally request the removal of late payments reported on my credit file for the following account due to violations of Metro 2 compliance standards, as outlined by the Credit Reporting Resource Guide ( CRRG ), and TransUnion 's failure to adhere to the federally mandated 30-day investigation timeframe : Account Name : XXXX XXXX Account Number XXXX XXXX  Date Opened : XX/XX/XXXX File Number : XXXX Date of Investigation Results Issued : XX/XX/XXXX Upon reviewing the results of your investigation, I identified several issues : Metro 2 Non-Compliance with Field 17b ( Payment Rating ) : The payment history indicates a 30-day past due status ( Metro 2 Code 1 ) for XX/XX/XXXX and a 60-day past due status ( Metro 2 Code 2 ) for XX/XX/XXXX. These reporting codes conflict with Metro 2 standards and the CRRG guidelines, which require accuracy and consistency in payment history reporting. The inaccuracies in these codes reflect a violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards. 

The updated information lists a 120-day past due status as of XX/XX/XXXX, which contradicts the payment progression reflected in the historical data. This inconsistency further highlights non-compliance with Metro 2 reporting standards.

Violation of the Federal 30-Day Investigation Timeframe : According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies ( CRAs ) are required to investigate disputes and either correct or remove inaccurate, incomplete, or unverifiable information within 30 days from the date the dispute is received. 

My dispute regarding this account was initiated over 30 days ago, and the investigation results were not issued until XX/XX/XXXX, violating the federal statute. 
Impact of Non-Compliance on My Credit Report : These inaccuracies and delays have caused undue harm to my credit profile and financial standing, which is unacceptable. TransUnion 's responsibility is to ensure that all reported data complies with Metro 2 standards and adheres to federal regulations. 

Requested Resolution : Remove the late payments ( 30 days, 60 days, and 120 days past due ) reported for the account in question due to Metro 2 non-compliance and reporting inaccuracies.

Correct or remove this account entirely from my credit report if TransUnion can not verify the accuracy of the information per the requirements of the FCRA. 
Supporting Documentation : I have enclosed a copy of the investigation results issued by TransUnion on XX/XX/XXXX, highlighting the non-compliance issues, along with the relevant sections of my credit report for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is EQUIFAX 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting an inaccurate late payment for the XXXX account ending in XXXX. This is a 30 day late payment posted in XX/XX/2016. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes this late payment resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction or permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had late payments on the account when it first opened due to creditor had wrong address on file the late fees where adjusted due to the mistake but the account never reported that correctly
Product: Credit card

Below " Amex XXXX  '' for merchant XXXXXXXXXXXX  is advertised on my Amex XXXX  XXXX  portal after logging in. This has enticed me to proceed with a purchase on XXXX for {$400.00}. After navigating through the checkout process on the merchant website I used my eligible amex credit card to checkout, but it was declined. Other credit card payment methods offered on the XXXX checkout page includes paypal, which I used to checkout. XXXX confirmed that the merchant is XXXX XXXX. 

Amex customer service denied my purchase as being eligible, stating that the terms were not met. The segment of the terms state : " Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using third parties, such as resellers, delivery services, or other XXXX. '' It is not clear that the XXXX payment processor is not permissible. I made the purchase directly through XXXX 's checkout page. As the examples suggest, I did not go through any reseller, third party merchant pitching XXXX 's packaged products, I did not go through a delivery service like XXXX eats or instacart, or other intermediary services. I explained that it is not clear when the common consumer looking at these terms that going through paypal to checkout on the payment page of the consumer website would make me ineligible for this amex offer. I remarked that Amex SHOULD specifically state that XXXX  party PAYMENT PROCESSORS like XXXX are ineligible, as the current language suggests that third party resellers would not be eligible. I believe this to be deceptive marketing practices. Amex offered no recourse for this. 

Here are the details for the advertised offer : Earn a one-time {$80.00} statement credit after using your enrolled eligible XXXX to spend a minimum of {$400.00} in XXXX or more purchases online at klook.com by XX/XX/year>. See terms. 

Offer Terms Eligibility and Enrollment Enrollment is limited. Eligible Card Members must first add offer to Card and then use same Card for qualifying spend. Only US-issued American Express XXXX are eligible. 

Limit of XXXX statement credit per eligible Card Member account. If the Card Account is canceled or past due, it may not qualify to receive a statement credit. 

Qualifying Purchases Offer valid online only at US website XXXXXXXXXXXX  or through the XXXX mobile app. Offer valid only on purchases made in US  dollars. 

Offer only valid on purchases made directly with the merchant. Offer not valid on purchases made using XXXX  parties, such as resellers, delivery services, or other intermediaries. 

Statement Credit Please allow XXXX after XX/XX/year> for the statement credit ( s ) to be posted to the Account, provided that American Express receives information from the merchant about your qualifying purchase. 

Participation in Amex XXXX  is subject to Amex XXXX  Program Terms. 

POID : XXXX
Product: Debt collection

Complaint is against new account Synchrony Bank. Customer Service Number XXXX. This account was opened about one month ago. Through my XXXX XXXX XXXX XXXX. All that was charged was an oil change that should have been XXXX for services rendered. I never received a statement from this bank regarding my account. ON the XXXX of XXXX. I contacted their customer service after speaking with my XXXX XXXX XXXX on the XXXX. When I called XXXX I was told I owed the XXXX again, I was a first time customer. I waited on the phone for a CS agent to discuss this matter for over an hour. I then called the Customer Service Number on the card which was XXXX and was told my balance was XXXX. Boy are these people rip offs and crooks. To put myself on the offensive I paid it with my debit card with their automated system and now they're on the defensive. I want back the difference and since this is the treatment first time callers get I am cancelling the card and the account. I will never do business with this rip off company again. I went on line tonight and found they had 80 complaints with one complaint board and over 1 thousand with the XXXX XXXX XXXX. They need to send proper statements out of customers and quit lying about what they owe. If this is the way they treat a new person like me I'd hate to see what they do to past customers. A lot of them weren't happy about it from what I read I can tell you. I want an explanation of their actions and confirmation that this account is paid in full and " cancelled. '' Thanks CFPB for your help once again, Sincerely, XXXX XXXX ( former Synchrony Bank Customer .
Product: Checking or savings account

XXXX wrongfully charged my Venmo account and took out {$600.00} and I never authorize this. I made it dispute with Venmo who took the money back from XXXX but did not put it into my account! So now XXXX is coming after me and yet Venmo wont give me my money and its been a month and they are doing nothing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company keeps reporting me late at the beginning of every next month while I'm in a forbearance plan. The hurt I suffer from watching my personal credit take such a huge hit in having a negative score is very depressing to me and our family. I literally have XXXX XXXX from all this stress they'd cost me and my family. We'd been fighting this issue for 7 months straight. XXXX is my mortgage company. We could really use some help on our end here. We have a house full of XXXX children and can't live in peace knowing I cant qualify or a refinance because my credit score keeps showing a late status. The crazy thing is it's always showing me late at the beginning of every month. 
I don't even think that's legal. I always thought you had to wait until the month-end for the thirty days late in order for a company to mark you late? But please someone help me get this issue rectified. XX/XX/2020 late marked by the mortgage company I've tried everything from call to sending letters for about the previous months being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX Last XXXX XXXX XXXX {$8200.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account This account has 22 late payments because it is fraudulent thats why payment is not being made but yet it stills reports XXXX XXXX continues to report an open fraudulent account. They continue to report late payments, which is affecting my credit worthiness and my ability to get a home. Transunion Union and XXXX  XXXX continue to report incorrect information to my credit report. I will be filing a consumer lawsuit against XXXX XXXX XXXX, XXXX XXXX and Transunion for their negligence and total disrespect to my claim. Ive disputed this account over 6 times and yet it still reports on my credit. Ive sent in verifying documents such as, police report, sign affidavit, dispute letters, even called Transunion and spoke to the special handling department and was told my social security number and personal information did not match and my Transunion account was going into maintenance to correct errors that Transunion has reported. 

I spoke with XXXX XXXX XXXX Originator Manager of XXXX who ensured me that the fraudulent account would be removed immediately from there system due to fraud but yet it still continues to report. If this account is not removed with in 24 hours. I will be filing a lawsuit against XXXX XXXXXXXX XXXX and Transunion. For violating my consumer laws and violating the FCRA. I also believe that XXXX  XXXX has violated the ( The federal Fair Debt Collection Practices Act ( FDCPA ) after countless times of me letting them know that the debt was not mines. They still called and harassed me concerning the account. 

Under the FDCPA, lawsuits alleging violations of the FDCPA must be brought " within one year from the date on which the violation occurs. '' ( 15 U.S.C. 1692k ( d ) ). In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the U.S. Supreme Court clarified that the one-year statute of limitations for an FDCPA violation begins to run when the alleged violation occurs, not when the offense is discovered, absent the application of an equitable doctrine. 

Ive also contacted the FTC with FDCPA concerns. 

Ive also contacted the states attorney general concern this matter. And plan on pursuing full legal action on XX/XX/XXXX XXXX {$8200.00} Balance updated XX/XX/XXXX 22 late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

PayPal has placed a XXXX hold on my account, which is set to end in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX Date Opened XX/XX/16 Balance {$750.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/year> I originally disputed with Equifax VIA certified mail ( meeting all of their requirements for mail in disputes ), phone, online and through a credit app XXXX  fraudulent accounts, Names, addresses and phone numbers and requested that they return service with the procedures that they utilized for the investigation along with the results. They did remove fraudulent names and phone numbers. They did not remove the addresses, fraudulent accounts or return service me with the procedures they used to validate and verify the debt. Instead they just sent me a letter stating that debt was verified and they were not removing accounts. So XX/XX/year> I submitted VIA certified mail ( meeting all requirements by Equifax for mail in disputes ) a Identity Theft Report from the government website ( Because I did not know who committed the crime XXXX police would not take a report ) so I submitted a affidavit that was notarized along with a personal letter, copies of the consumer law and the credit report with the accounts and other fraudulent info highlighted. Since then they have not blocked the info within the 4 days nor have they responded with anything at all. They have also managed too completely disrupt my PAID online account ( myEQUIFAX.com ) so that i am unable to see any account info, credit report or credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In addition, accordance with the Fair Credit Reporting Act 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 : also states consumer reporting agency can not furnish a account without my written instructions.