23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

About a year ago, I received a couple of emails from XXXX offering me to turn in my leased vehicle and lease or purchase another vehicle. The lease on my old vehicle matured on XX/XX/XXXX. I visited XXXX XXXX in XXXX, VA and agreed to a new vehicle. When negotiating the price, I explicitly told the dealer I wanted all charges rolled into the bottom line. I left the dealer with a new car and at the time, no further charges owed. I did not sign or receive any documentation countering my belief. I turned the vehicle into the dealership on XX/XX/XXXX. 
In XX/XX/XXXX, I received a turn-in settlement invoice from XXXX XXXX with a request for a {$1400.00} payment. I contacted XXXX XXXX on XX/XX/XXXX to inquire about the charges and I was basically told " those are the charges, can't help you ''. On XX/XX/XXXX, I received an updated bill for {$2200.00} with no explanation. On XX/XX/XXXX, I, again, contacted XXXX XXXX and was told that the charges needed to be recalculated because they were totaled incorrectly. I was also told that I would receive a return call explaining said charges. I never received that call. Two months later, I called again. Bottom line, I asked for a detailed billing statement for all charges as I had not received one. I was also told that my vehicle was sold at auction for a loss and that total was factored in obtaining the payment total. That total was compared with excess mileage and excess wear. The excess mileage charge was included in the turn in payment and I disputed the damages as I turned in the vehicle in excellent driving condition. The XXXX XXXX agent told me it took 7 days after I relinquished my vehicle to the dealer for someone to inspect it and come up with a bottom line. About a week after this call, I finally received a detailed billing statement. And to my surprise, a different total - {$1600.00}. 
Just to pile on even more, XXXX XXXX referred this bill to a debt collector. 
When I talked to the debt collector, Vital Recovery Services , LLC, on XX/XX/XXXX, I told them that this account was in dispute and not call me anymore until resolved. The agent told me that I needed to pay off the debt for whatever amount even after I told him about the dispute. He could not give me a total amount even after I laid out the situation. He said pay the amount that was the most and worry about a resolved total later. He continued to press the issue of payment and I told him I would not pay it until resolved. I asked him and the company not to call until resolved and he tried one more time to get me to pay.
Product: Debt collection

I was not sent a notice with intent to garnish my paychecks, I notice on my XX/XX/2023 paycheck and asked my employer who was garnishing me and they told me Messerli & Kramer. I sent them proof of my medical assistance for them to stop garnishing me on XX/XX/2023 and on my next paycheck XX/XX/2023 they still had the garnishment on there so I contacted the MN Attorney generals office and they sent Messerli & Kramer a letter and they still have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I went online to see that my credit score for Transunion score dropped XXXX and my XXXX dropped XXXX for no explained reason, I spoke with a rep name XXXX from XXXX and she stated it would be 7-10 business days but she was able to submit an escalation because she didn't understand why a hard inquiry would drop my credit score that many points so then i proceed to speak with to chat reps from Transunion I spoke with XXXX first then XXXX so i was provided with the customer service number and I spoke with XXXX who if you play the call back who kept telling me Basically I need to improve my credit habits and its nothing they could because a hard inquiry should NOT drop a credit score XXXX its between XXXX so I asked for complaint information and he stated I would need to go to CFPB.COM. Now here I am typing this email because Transunion doesn't even have explanations of why but are telling how I have derogatory marks which is only XXXX on my credit and that's why my credit score decreased which doesn't make sense still because they are not new to my account. If someone could reach out to me by email XXXX or by phone XXXX
Product: Money transfer, virtual currency, or money service

PayPal payment system debited the incorrect bank account, not the preferred bank account, & caused me an overdraft fee. 
Paid with XXXX XXXX, INDIANA ( XXXX  ) Transaction ID XXXX Seller info XXXX XXXX. 
XXXX XXXX XXXX XXXX Invoice ID XXXX Purchase details Upgrade XXXX XXXX 12 Months - # XXXX {$8.00} XXXX XX/XX/2020 I have contacted them many times, through many avenues. 
I have racked up over {$100.00} in bank fees due to their error.
Product: Credit reporting or other personal consumer reports

Ive sent target numerous debt validation letters, asking for proof of debt. They responded one time and said they would send me the information, but never responded again. When Ive disputed the information on my XXXX report, they keep denying my dispute yet they havent followed law that says they have to provide me with that information and in a timely manner
Product: Credit reporting, credit repair services, or other personal consumer reports

This matter is being forwarded to your attention for resolution as recommended by XXXX XXXX at the Office of U.S. Senator XXXX XXXX : My TransUnion credit report is showing on negative item, my daughter XXXX 's student loan which I am a co-signer. Due to unfortunate circumstances, the loan had become past due for a short period. The loan has since been brought up-to-date, with the principle, interest, and late fees now current. According to XXXX, the loan will be a default status until the loan is paid in entirety, regardless of the fact the loan is up-to-date with no outstanding fees, interest, or principle. I am XXXX years old and XXXX XXXXXXXX, and in all my years, I have never heard of a loan being brought up-to-date and still being labeled in default. What is the incentive for anyone to bring their school loan, or otherwise, to a an up-to-date standing by paying all past due fee, interest, and principle if the lender or administrator will not change the default status to current? Any assistance you can provide to have this matter corrected so my credit can be properly reported would be much appreciated.
Product: Checking or savings account

In XXXX, Capital one bank restricted my business account said there is a wire transfer in my account amount as XXXX as fraud transaction, that is one of my purchaser recall. they will close my account due to this problem and hold all my funds in the account. 
Until XXXX, the {$35000.00} was return by capital one bank, and my account still restricted. 
Until XXXX, no further action was taken by the bank, they still restricted my account and hold my money, remain balance is {$110000.00} During the time, I continued ask them, but the unfair point is, they said no time line for the investigation and they can not tell me anything. at the beginning they said wire transfer in has problem, after that even they resolve the transaction, they still said no time line, still hold, even they tell me why, that is ok, I will wait, and company all they work.
Product: Credit card

Credit limit was decreased to {$300.00} and Wells Fargo Financial was contacted but offered no explanation.
Product: Credit reporting or other personal consumer reports

I have submitted a complaint on XX/XX/year> ( complaint ID # XXXX ) about XXXX XXXX XXXX Account # XXXX Amount : {$110.00} and have not received any updates on this issue. I reached out to the creditor again at XXXX and spoke with the fraud dept on XX/XX/year> at XXXX and was advised that the account has been listed as closed and the application has been deemed as fraud due to a credit repair agency possibly opening the account with my information. The fraud dept advised that I reach out once again to XXXX, XXXX and Transunion to notify them that this account should be removed from my consumer report IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I am fillinf this compliant again, to inform you, that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$6100.00} XXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX Balance {$2400.00} XXXX XXXXXXXX XXXX Balance {$6100.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXXBalance {$0.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$2400.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXXXXXXBalance {$0.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$2400.00}
Product: Credit reporting or other personal consumer reports

My identity was compromised and these inquires were not authorized by me. According to the Fair Credit Reporting Act ( FCRA ) Section XXXX. It is illegal to repost information on my credit report without my permission. Please remove this item from my credit report. 

XXXX  ( XXXX  ) XX/XX/year>XXXX XXXX XXXX  ( XXXX  ) XX/XX/year> XXXX  ( XXXX  ) XX/XX/year> XXXX XXXX ( XXXX  ) XX/XX/year> XXXX  ( XXXX ) XX/XX/year> XXXX  ( XXXX  ) XX/XX/year> XXXX XXXX  ( XXXX  ) XX/XX/year>
Product: Credit reporting or other personal consumer reports

These inquiries are not mines on my Experian Report XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I 'm filing this complaint on behalf of a number of SunTrust XXXX XXXX debit and checking account holders. 

SunTrust is violating ethical standards, regulatory standards ( " bait and switch '' ), and their own terms and conditions. Here is why : For some time, SunTrust has been advertising, promoting, and issuing their XXXX debit card. That card, linked to a SunTrust checking account, carries a yearly fee of {$75.00} and gives its holder XXXX XXXX XXXX for every XXXX spent on debit ( pin-based ) and credit card transactions without any limits to the number of miles a cardholder can earn. I have been contacted by many friends and family members of mine who are card- and account holders with SunTrust who have reported the following to me:1. SunTrust seems to be in process of closing all those accounts whose members have earned a certain number of miles through legitimate debit and credit purchases. 
2. In XXXX instance, SunTrust even reached out to XXXX to intentionally reverse and take away from the card member any XXXX XXXX already earned. 
3. SunTrust is not renewing their XXXX XXXX anymore for many long-standing account holders just because they earned what SunTrust considered " too many miles ''. 

In the opinion of a lawyer whom I contacted regarding this matter, SunTrust is clearly engaging in a tactic known was " bait and switch. '' SunTrust lures new customers with their XXXX XXXX Debit card, charges them the yearly fee of {$75.00}, and then, once they become customers and earn a certain number of miles, SunTrust closes their accounts ( or does not renew them ) and in some cases even tries to reverse miles already earned. The lawyer further suggested filing a class action lawsuit on behalf of all cardholders. I 've so far refrained from going that route but I hope this complaint will cause SunTrust to act as follows:1. Stop closing legitimate accounts just because their holders earned above a certain number of miles to which, according to SunTrust 's own terms and conditions, they are entitled to. 
2. Renew accounts in good standing according to your terms and conditions as XXXX XXXX accounts and cards. 
3. Stop trying to reverse miles already earned. 

If SunTrust does not act as laid out above, I will undertake the following actions:1. I 'll have my lawyer friend prepare a class action lawsuit for bait and switch. 
2. I 'll reach out to the Office of the Comptroller of the Currency, the XXXX and Georgia Attorney General, the XXXX, and other institutions to file additional, regulatory complaints. 
3. I 'll bring to the attention of the media the unethical behavior of SunTrust. 


Sincerely ;
Product: Debt collection

I had no knowledge of these accounts. Someone opened this account fraudulently under my name. Please remove this fraudulent account off my credit report. I'am a victim of identity theft, I've filed numerous police reports regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my consumer credit file was incorrect and incomplete, related to the XXXX XXXX account. XXXX  XXXX is in violation of the FCRA in regards to the information furnished to the consumer reporting agencies, whom are non affiliated third party companies. XXXX XXXX has incorrectly reported my credit card account as a flexible spending account, which it is not. XXXX XXXX also reported my account as being late in XX/XX/2022, there was never an investigation done by the CRA 's prior to reporting this incorrect information because pursuant to 15 USC 1666b- no creditor shall treat an account as late. 

I have tried to rectify this issue with XXXX XXXX and the CRAs as this is causing me major financial damage and has caused me to not be approved for an apartment. In disclosing this information my right to privacy was violated. XXXX XXXX 's terms and conditions clearly state that they will not sell my information to a third party, and they did just that in selling my personal financial information to the credit reporting agencies. 

In addition, I have looked over everything that was given to me upon opening this credit account, and the Gramm Leach Bliley Act Disclosure was never given to me, violation of federal law.
Product: Debt collection

Penn credit reported a new debt without contacting me directly. I would have asked for verification per law, and if verified paid it in full before it was added to credit report. I have never been contacted by this collection company for this account.
Product: Credit reporting or other personal consumer reports

I notice the following charge offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting on my credit reports. A charge off is considered a certificate of indebtedness. According to the Internal Revenue Services, if a debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, i must report the canceled debt on my tax return for the year in which the cancellation occurred, which is considered income. Income can not be reported on my credit report so these charge offs must be removed.
Product: Debt collection

I recently attempted to dispute a debt from XXXX XXXX XXXX, via XXXX XXXX, XXXX, XXXX and via letter ( us mail ). This request has been submitted multiple times and the first time I did so, they failed to respond to me within 30 days ( the dispute was open for over 90 days ). I requested the orginal debt date to be provided ( not the date that the debt was turned over to the collection agency ) and they have failed to give me this date. They recently just updated the debt with the date that they attained it and accuse me of still being indebted. ( Actually reported that I am now late ). I have no idea what my next step is. I don't even know what account this is orginally from. I requested that all this info be mailed to me so I could review it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries are being reported on my XXXX report : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiry is being reported on my Equifax report : XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received a letter from XXXX  XXXX  regarding a debt of {$240.00}. This is an error I have tried to remediate with XXXX, but have been unable to since they dont offer an email address to contact them and their phone lines have hold times that go in excess of multiple hours. 

This started because when I cancelled ( XX/XX/XXXX XXXXXXXX XXXX ), I received a bill for XXXX XXXX XXXX Return Fees. This was billed XX/XX/2021. Then {$560.00} was charged to my credit card on XX/XX/2021. I called XXXX who then reversed my charges after verifying they received the XXXXXXXX XXXX XXXX returns. Then I received a bill of {$240.00} as well as your bill for collection of the same. This was in the second week of XXXX. 

I am very busy but have tried to resolve this with XXXX by calling the number on their Final Notice letter. I called at XXXX on XXXX waiting on hold for 40 minutes and 41 seconds. I called back to request that I be put on the call back line but got through to someone, who then said they couldnt resolve it, that it needed to be handled by their billing department. XXXX then transferred me, keeping me on hold until XXXX ( over an hour ). I dont have this amount of time available. I dont know why I cant just respond to them in email. They called me back and I spoke with XXXX in billing. She has said that this bill is in error and that I do not need to pay it. 

In summary, this debt is invalid as I have returned both XXXX XXXX  which XXXX has confirmed and there are no remaining debts to be paid, which XXXX has also confirmed. 

I sent a slightly altered form of the above message to XXXX  XXXX, but they didn't respond and instead chose to transfer the debt to FRONTLINE ASSET STRATEGI, who then set a Derogatory Mark against my credit. I have a credit rating of XXXX which is considered " Excellent '' but it has this mark for a minor charge which is unfair. It's worth me to just pay for it, but I don't want to due to the principal of this since I followed the rules set by XXXX and returned the items that I had borrowed ( the items simply allowed me to have adequate coverage that I was already paying for, from XXXX ). 

I've attached the original letter I mailed to XXXX XXXX, XX/XX/2021.
Product: Debt collection

Hello, I am reaching out because I have previously contacted the collection company CBHV to stop contact and remove the collection they placed on my credit report. They have not removed the collection from my XXXX or XXXX after the case was last closed in XXXX with ref : # XXXX. They never provided me any proof of this " so called debt '' with a copy of the written agreement that created my original requirement to pay or anything else for that matter. It has been 6 months since I requested they stop contact and remove the collection from reporting on my credit with the XXXX bureaus. Yet still, as of XX/XX/XXXX, they have been reporting this false information. I need the information removed immediately no later than 30 days since it affects my livelihood and overall credit score.
Product: Credit reporting or other personal consumer reports

I am writing to report an unauthorized inquiry on my credit report. I recently discovered an inquiry that I did not authorize or have knowledge of this inquiry as a result of identity theft and must be removed no later than four ( 4 ) business days as per 15 U.S. Code sec. 1681c-2. 
I have also requested the Federal Trade Commission 's intervention to investigate and rectify this matter promptly. 
Thank you for your prompt attention to this matter. 

IXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

Commonwealth Financial could not verify original creditor or account number, I have not received anything from this company in writing informing me of the debt collection, and debt is on my credit report XXXX times, for the third time. This debt which I noticed on my credit report a long time ago just fell off of my report for the second time in XX/XX/XXXX. The debt showed up again on XX/XX/XXXX and was reported XXXX times on my report instead of just once. This company is falsifying dates so that they XXXX continue to collect on a debt that is void due to statute of limitations. They are now claiming that the date of service was on XX/XX/XXXX. I called every hospital in my area with XXXX to try and verify the date and none of them had anything with that date or anything close to it. That date is also my mother 's birthday and I know for a fact that I have never been to the emergency room on her birthday.
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 to consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states that 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 the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.