23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Looking at my credit report they claim to have closed/charged off/AND wrote off the vehicle in question. Now they are harassing me daily about repossession when it says its closed and written off. I have copies of the original documents i signed buying the car that states no oral agreement is binding however, the number they give me via email and text when i call to work out a settlement they will not put it in writing. They blatantly lied to XXXX about their reporting and behavior they told them that if i gave them approx {$5000.00} on my good faith theyd then write me a letter for settling for XXXX which is way more than the car is even worth, the amount is nothing ive ever signed on i have paid on the car they have several class actions for this exact behavior that they are continuing. They tell me on the phone if i give them the {$5000.00} number that theyll take that money off the settlement and renegotiate but will put nothing in writing and ill be attaching the portion of my binding agreement and the lack of the same information, the reason i am behind is because i am XXXX XXXXXXXX, i have been doing my best to make everything right since i had to wait for a year and a half to get any income. They want me to somehow resume a {$500.00} a month payment this isnt possible with my limited income. I really need actual assistance with this, this is an ongoing issue with santander consumer usa and if you see all the class action theyre known for this : i would like to know if my car can be taken or what since its wrote off charged off and closed not even out for collection or anything. I need it to get to the doctor. I am very sick and doing my best. This is also being incorrectly reported on my credit score and keeping me homeless and XXXX. The XXXX XXXX in charge of the multistate class action says the attorney general is in charge and needs to be aware theyre still doing the same vile behavior after all the class actions
Product: Debt collection

This is the second or third time I have been harassed in regards to a fraudulent transaction that was authorized by SunTrust Bank. 

I have submit previous complaints in regards to this matter that I reported both to SunTrust Bank 's Fraud Department as well as the XXXX Sheriff 's Department 's Fraud Department. 

All documents were turned over to the XXXX Sheriff 's Department for fingerprinting and analysis since the people in the local branch of SunTrust 's Fraud Department did not want to take responsibility for clearing a fraudulent check. 

The Detective I spoke with in XXXX Sheriff 's Department stated the funds were sent out of the state of Florida and into XXXX, Ohio and the state of Illinois. I was advised the information was given to the authorities in those states and there was nothing more the state of Florida could do. 

This information has been previously reported to SunTrust Bank in addition to complaints previously submit on this CFPB website in regards to this matter. 

It was a case of fraud that I turned over to authorities. SunTrust is well aware of the situation and had access to the information that I personally walked into the local branch and gave to them. 

I no longer have an account at SunTrust Bank. They cashed a fraudulent check and failed to protect myself and my children as one of their accounts. They lost my trust in addition to my business and access to my hard earned money. 

I have reported this issue before. SunTrust needs to understand the continuous harassment can, will and should result in violations and fines. 

I have repeatedly given them the information they do not want to admit. I have repeatedly told them via phone and writing ... DO NOT CONTACT ME AGAIN IN REGARDS TO THIS MATTER. DO NOT CONTACT ME VIA PHONE, MAIL OR EMAIL EVER AGAIN IN REGARDS TO THIS MATTER. 

SunTrust Bank cashed a fraudulent check. I depended on them to protect me and my children as clients. I needed a bank that would protect my account. That includes Fraud Protection. SunTrust failed. 

They were given the information that they did not want. I turned all documents, envelopes, everything over to the XXXX Sheriff 's Department. 

This has been documented previously and in several complaints. 

Now I am getting contacted by a company called XXXX XXXX XXXX XXXX XXXX They either bought or got sold what is called " bad paper '' also known as " dead paper. '' This is a Professional FYI to XXXX XXXX, XXXX : I am not going to waste my time on making a phone call to your office only to have to educate one of your inexperienced " agents '' reading off of a script called " How to do Debt Collections for Dummies 101 ''. However know this now, here it is in writing ... DO NOT CALL ME NOR CONTACT ME IN REGARDS TO THIS MATTER EVER AGAIN. 

SunTrust Bank has a huge problem since they have been warned previously. SunTrust Bank cashed a fraudulent check. They know it as I have previously reported them. Their authorization has been revoked. I do not trust them with my money. They lost me as a client. DO NOT CONTACT ME AGAIN IN REGARDS TO THIS MATTER.
Product: Checking or savings account

Not receiving my direct deposit on XX/XX/year>. No notification or announcements from Capital One UNTIL it becomes a widespread issue. News articles are reporting ... no statement from Capital One. A day later, still no money, and now Capital One says " sorry technical issues should be resolved soon or by Friday morning. '' It is Friday morning and I still have $ XXXX in my account. I couldn't eat yesterday and if I don't get paid today I lose my car AND don't get paid til Tuesday. This is absolutely XXXX ridiculous. When you are playing around with people 's money you need to be releasing statements as frequently as possible. I will not be keeping my money with this bank again. XXXX you people.
Product: Debt collection

As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by Portfolio Recovery a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

They pulled my credit score twice without my permission for an auto loan. 

Wells Fargo was the bank that did this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing you myself. This demand has no third party. 
I've informed you of unfair practices before. YOU VERIFIED THESE ACCOUNTS WITHOUT ME. The banking system relies on fair and reliable customer reports. I'm getting erroneous information without notice. Your organization did not inform me that these inconsistencies will be reported during your initial examination. 
I'm letting you know that I've been wronged and lost trust in your company 's practices. I'm notifying you that I won't extend my credit and won't let you record my information in your company 's database if this information isn't erased. 
Your company 's mistake wrecked my credit and reputation. 
Variously. 
Your company thought that was accurate without consent from me, the consumer, or a competent court. You also failed to investigate this information initially. You assumed this role and trusted this information. Another infraction. You can not assume for me or assume this information is valid. 
You did not verify this information or act fairly. You only heard one side and never asked if I made this transaction. 
This infringed my privacy, which is another offense. 
Before adding this to my report, you never offered me a chance to deny it. 
I will demand reimbursement for the harm your company caused me by disclosing incorrect information and that efforts are taken to prevent future Fair Credit Reporting Act ( 15 USC 1681 ) violations. Please confirm your compliance in writing. 
Again, I'm addressing these demands on my own behalf. NO THIRD PARTY. This is my second chance to meet my demands. 
This attempt will be sent certified. 
As the original creditor, I demand : Account # XXXX **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Otherwise, this will cause greater damage.
Product: Money transfer, virtual currency, or money service

Tried to send money to someone I owed through papal. Spent over 45 minutes with them verifying all my information and they said we are refusing this transaction and there is nothing can be done. There is no means to rectify this situation through paypal. They said this a ip problem and even after verifying everything PayPal is still refusing to make the transaction, that I require them to make even though all fraud possibilities have been taken care of. <P/>Paypal rep : XXXX ID Number is XXXX He is suppose to be a supervisor in the business support department located in Nebraska Call Reference Number : XXXX says there is no number for the call recording XXXX has refused to give me the regulatory body in the government that overseas them. To prevent me from filing a complaint against PayPal for refusing to allow me to us my money in the way I want to use my money. Even after going through extensive verification process.
<P/>
There is no other department and PayPal does have a complaint department that I can talk to or have access to. Compliance department no will be provided there either. <P/>XXXX said he did file a complaint internally. XXXX just checks a box and does not understand anything about the complaint process. Expect ALL PAYPAL IS REQUIRED TO DO IS PUSH THE COMPLAINT BUTTON.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXXXX XXXX XXXX XXXXXXXX XXXX- XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

To Whom It May Concern, I am writing to formally request validation of the alleged debt of {$710.00} attributed to Midland Credit that appears on my credit report. As a consumer, I am fully aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I demand that you provide me with the following documentation : Proof of the original debt, including the name of the creditor and the amount owed. 
A complete account history detailing any transactions related to this debt. 
Any documentation that proves that Midland Credit is authorized to collect this debt on behalf of the original creditor. 
Until I receive this validation, I consider this debt to be in dispute. I expect you to investigate this matter thoroughly and provide me with the requested information. If you fail to validate this debt within the statutory time frame, I demand that you immediately remove it from my credit report. 

Additionally, I reserve the right to take further action if this issue is not resolved to my satisfaction, including contacting the Consumer Financial Protection Bureau and the relevant state regulatory authorities. 

I expect a prompt response to this matter. Please send your reply to my address listed above. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX, XXXX, and payments ... 

I have sent payment after payment to the XXXX XXXX XXXX time after time for them to keep sending the payment back to me because they claim a payment was returned for insufficient funds ( which is not the case ). Nevertheless, they have sent each payment back to me for no reason and now I am getting nervous because they are making me behind I have the funds, but they will not apply it to my mortgage ... which is making me think they want me to lose my house. I have sent cashiers checks and money orders and they keep sending those back to me as well ... I have the proof. What is there for me to do??? Any help is greatly appreciated. 

One of the customer service reps stated they were not in the business of returning payments ... I said ... '' you could have fooled me! ''
Product: Checking or savings account

On XX/XX/2022, I have been notified by my sister XXXX XXXX that she transferred XXXX XXXX USD to my account at Goldman Sachs Bank USA. The funds had not arrived in due time ( 1-3 business days ), so I started to contact Goldman Sachs to check the status of the transfer. 

On XX/XX/2022, I have received an email from Goldman Sachs employee XXXX XXXX saying that she is " working with internal teams to have the funds kicked back to me ''. Email attached. 

Today is XX/XX/2022, and I still don't see the funds on my account, not on my sister 's account. 

Here is the XXXX tracking code : XXXX : XXXX. 

Please make Goldman Sachs transfer XXXX XXXX USD to my account : XXXX : XXXX XXXX Account number : XXXX Routing : XXXX XXXX  : XXXX or transfer the XXXX XXXX USD back to my sister 's account at XXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX my VA loan was purchased from XXXX ( my lender ) by NewRez ( a relatively new mortgage lender ). I received some information regarding the transaction, but not the information on where to direct new payments. I followed verbal information provided by phone. All my payments originated from my online payment account. Although all payments were initiated in a timely manner, New Rez claimed one payment was delayed in processing and filed a delinquent payment report against me. This meant that I was not eligible to use my VA loan benefits for an extended period of time. 

None of my efforts to resolve the issue with New Rez were successful. I paid off the mortgage and moved on. My concern is for service veterans victimized by New Rez. If they purchased a portfolio of loans from XXXX, chances are good that many of those loans are with either retired or XXXX XXXX personnel. XXXX XXXX personnel in particular are likely to be vulnerable to incompetence and inadequate staffing at New Rez. My hope is to shine some light on a problem that will result in loss of VA loan benefits by current and former military personnel.
Product: Credit card or prepaid card

I got a Discover secure card for {$1000.00} they never upgraded me or helped me fix an issue I had so it closed. I think it was very unfair and never explained they sent me a letter saying apply again and send deposit to reopen- they never reopened my secured card account nor explained why but my past- I was never late, never used it barley and was always current.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Trans Union Report incorrectly shows 2 Federal Tax liens. They show paid but the do not include the new necessary information and therefore must be deleted under the new guidelines. It does not show my SSN or DOB. Transunion refuses to delete this despite the new regulations. 

( The standards will apply to new and existing data in files and will require that the public records sources include the individual 's name, address and Social Security number or date of birth. )
Product: Debt collection

Per the companies arbitration clause they should not have sold any debt to XXXX  or resurgent capital and any reporting of it is a violation of the FCRA. They breached a contract.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX the consumer in fact. Equifax received no written expressed consent to allow XXXX  XXXX XXXX to furnish any information about me or an alleged debt. XXXX  XXXX XXXX has been reporting that I owe an alleged debt since XXXX. The account is now showing closed when I never closed an account with XXXX XXXX XXXXXXXX. XXXX XXXX  XXXX never received my written expressed consent to furnish any information on my credit report.
Product: Checking or savings account

So XX/XX/2022 XXXX was taken from my account according to bank with Atm machine had a skimmer. On XX/XX/2022 XXXX was run on terminal with out pin when girls did not return with my cards right away On XX/XX/2022 XXXX was skimmed at atm machine skimmed again XXXX was run on terminal no pin required after I replaced my card and reported fraud. On XX/XX/2022 XXXX skimmed at atm again, at terminal XXXX was run again with no pin. XX/XX/2022 XXXX skimmed at atm again, XXXX was run on terminal the girls didn't ever bring cards back to me this night went in and talked to owner to get my cards back this happened at a XXXX XXXX and I did not authorize or want these charges I reported it to the police my bank and the XXXX of the XXXX XXXX and I have yet to receive my money back XXXX XXXX XXXX said he would call me in 7 days no call bank XXXX said fraud claim was denied 2 times, police I am getting report today I reported each of the incidents the moment I notice minus the XXXX time as previously by bank XXXX in another fraud case they can not do anything till it post so after the weekend when it posted I reported it. I have done everything I can bank XXXX said it was denied because it didn't follow the common fraud scenario. He said to bring in police report and he would see if they would give in then but cant get till this afternoon. He alsi said it would be unlikely that they would give in to give me my money back even with police report but that was my best chance. I do not know what else to do.
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. 

NAME OF ACCOUNT ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It states a consumer reporting agency can not furnish a account furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any of the following items of information Any other adverse item of information other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s2 ( 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: Checking or savings account

Deposited money in to the savings account I tried to set up regular deposits every 2 weeks. When the money was not transferred, i called i was informed that they take the money 3 days before the set date i arranged i wasn't informed of this, I called customer service that was when i was informed that my transfers between accounts was canceled. 
I could no longer move money between accounts I had to open a checking account with Ally. I did I transferred money from the savings account to the checking account I was told to open I asked for a atm card they said that it has been requested but i never get the card it has been a month and i have requested 3 cards that I never receive I can no longer transfer money into the ally account from my chime account and I cant move money in or out without a debit card
Product: Credit reporting or other personal consumer reports

There are 2 hard inquiries on my XXXX account for One Main Financial dated XX/XX/XXXX. The other is XXXX XX/XX/XXXX. These are fraudulent and do not belong to me. I do not fill out any applications for these companies. I have reported to the bureau, but no luck on resolution of these fraud hard inquires. 

There is also a credit card account that does not belong to me. XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Account open XX/XX/XXXX closed XX/XX/XXXX. This is a fraudulent account and wish to have this removed from my credit file. The account is listed on all 3 credit bureaus ( XXXX, XXXX, XXXX ). I need help in this process. 

In addition, there is a new account on all 3 credit bureaus I'm requesting to dispute. XXXX XXXX dated XX/XX/XXXX. I do not recall this account and need assistance in deleting.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/2024 to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2024. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$4500.00} XXXX XXXX XXXX XXXX Balance {$3.00} XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ , XXXX XXXX XXXX XXXX BALANCE : {$1200.00} XXXX XXXX BALANCE : {$720.00} XXXX XXXX XXXX XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXXXXXX Balance {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed this debt with the credit bureau and they said I owe it which results in the 2017 XXXX  data breach the credit is name LVNV funding acct # XXXX
Product: Credit reporting

they continue to confuse my information with my father 's information. I have sent social drivers license and proof of address ... they have my fathers ss number and his and my moms credit card info. they also have me as retired from XXXX ( instead of showing that I have a job ... also have my ex wife 's credit card info and hard inquiry from XX/XX/XXXX, and we have been divorced since XX/XX/XXXX. I have spent moths to get the credit report because I was unable to answer the questions required due to how many of the questions were erroneously based off of the incorrect statements of my fathers credit report, and I was unable to answer them .... Please help.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I was charged XXXX  for car rental in XXXX. As a XXXX I am exempt from XXXX The credit card company refuses to refund the taxes they charged.