23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXXXX/XX/XXXXI opened both a Checking and Savings account online with Suntrust. In order to open the accounts I transferred XXXX dollars and XXXX   dollar from another bank. On XX/XX/XXXXXX/XX/XXXXI went to a local branch to add my wife to the account as well as apply for a credit card. We deposited XXXX   dollars into the checking account from an account my wife owns with North Carolina XXXX XXXX XXXX XXXX NC XXXX account while we were there. On XX/XX/XXXX I was informed that my account had been closed and that I would receive a letter detailing why. I called and was told suntrust holds the right to close any account for any reason. The letter that followed explained nothing more than that. I received a letter saying that they were holding all funds for investigation and if any could be returned they would be returned. Both the XXXX dollars and the XXXX dollar checks were returned but the XXXX dollars was still being held. I called again and they stated that I should call the issuer of the checks to stop payment. I called NC XXXX and they stated that the checks had cleared therefore they could not stop payment. I called suntrust back to tell them the NC XXXX  answer and was told that the money was not able to be released because they were holding it for possible reacquisition. I called NC XXXX to see if they could reacquisition the funds to speed up the process and they stated they could not. Suntrust is holding my money for no reason, it is unethical as I have never broken any laws or done anything wrong. I am no longer a client therefore in my book they have essentially stolen my money. We are a young family and I am XXXX   XXXX therefore funds are tight. Please help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Vehicle loan or lease

first of i am a XXXX vet, i have two auto loans with vw credit. the XXXX XXXX, i no longer have in my possession as the other primary borrower does. i do not have accurate information as to where he lives anymore but the agreement was for him to take over payments in which he has but he is continuously late and it has been affecting my credit as well as his. i don't want to be on here anymore. i have expressed this many times to XXXX XXXX  and they keep offering me the same options that dont and cant apply to me. i can not refinance because he has the vehicle and he does not have a license thats valid, then hes always late on payments. let him ( the other party be solely responsible and remove my name ). this has been affecting me severly as i cant obtain a house to buy let alone even rent because of this. i just want out of this as i am no longer working and cant keep up with having my name on the XXXX XXXX anymore. my credit is dropping bad and i want out of this or have asked them if the have a co-signer/buyer release form or what not. i can not afford to be on this as its detrimental to my health and credit..
Product: Debt collection

I am responding to your contact about a debt you are trying to collect. You contacted me by [ phone/mail ], on [ date ] and identified this alleged debt. 



Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 


If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 


Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 


If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 


The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was.
Product: Credit reporting or other personal consumer reports

I've called numerous times to Equifax on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> to remove 4 Inquiries from my credit report because I believe they are from Identity theft.I even send them lots of documents in mail like for example : Cover letter, Updated personal info, Identification info, Credit report, FTC report and Identity Theft Victim 's Complaint and Affidavit - it's been notarized.

After they received my first mailing they sad my FTC report is not correct so I asked what to do and they sad send us another one with correct FTC report which I did and now they claiming they never received my mailing, but I have a prove that they did receive it because I can track it with tracking number ( XXXX XXXX XXXX XXXX XXXX XXXX ) You can verify this that they did receive it going to XXXX and put that tracking number above.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute with XXXX regarding an old collection account that they ( XXXX ) are still reporting on my credit and/or consumer report. They are reporting a collection account, from XXXX, on my credit report ; and furthermore the address on file for this account is not mine. So, these are two reasons why this shouldn't be on my report. ( 1 ) It's beyond the statute of limitations, and ( 2 ) it's using my personal information while utilizing an address that's not mine which is FRAUD. 
On XX/XX/XXXX, XXXX notified me that the collection account was not removed because the company who reported it had certified to XXXX that the information is accurate. 
Please, instruct all credit reporting bureaus and/or agencies to cease reporting all fraudulent information about me at once, as they are all in violation of multiple provisions of the FDCPA and FCRA. 
Please respond at your earliest convenience. 

Respectfully Submitted, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian about my student loan being discharged in XX/XX/2017 and to have them update this information. I must admit this was a task so many prompts and when I got close to speaking with a representative the wait was over 2 hours. Then I receive information that a fraud alert or freeze had been placed and I will be billed XXXX. I called Experian again took forever to reach a person and I told her that I didn't want that freeze or alert. I then receive documentation from experian and the others the alert is still there but then experian representative wrote in the letter ... The number you provided when adding this alert is XXXX I havent used that number in over a year and I clearly gave that person my correct number XXXX! This is scary when the credit bureaus are being deceitful and then charging you. Their repeated attempts to trick the people into purchasing an alert or fraud is wrong. I have enough going on health wise that why I got approved for XXXX and XXXX XXXX XXXX and one of my issues is having a XXXX XXXX. The credit bureaus games only anger my person and that's not good. Then experian then prompted the other bureaus to place a freeze on their part too. I had applied for a credit card and denied due to alert or freeze placed erroneously.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to correct or repair the following items from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, TransUnion, and XXXX have violated my rights 15 U.S.C. 1681 Section 602 A states that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I sent disputes to each agency. There are also inaccuracies across credit bureaus. The accounts were not removed nor were they properly investigated. I demand that these accounts be removed for violating my rights to privacy. I also demanded that my information be removed due to the breach.
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX XXXX MI XXXX Midland Credit Management bought XXXX credit card accounts of mine. I contacted them in XX/XX/XXXX and even though my only income was unemployment I agreed to pay {$50.00} per month and they told me they wouldn't continue with a lawsuit. At this time I had a small claims against me from them for one account and they said to forget about it. I continued to pay until XX/XX/XXXX when I received a summons for the other XXXX accounts. I called Midland and they said they never stated that & refused to look up or send me the call recordings. They were very rude and wouldn't help me at all. At this time my unemployment ended, I had no income and inquired about their hardship program. I submitted all the documentation that was required in XX/XX/XXXX. Never had a response even though I called numerous times. I then contacted the attorney general 's office who emailed them for me. They responded that I didn't send anything and I had to have an approved social security claim for them to grant the hardship ( I have an application in review ). There was a court date of XX/XX/XXXX and I honestly forgot the date, called the court and they told me to call Midland 's lawyers to ask for continuance of agreement. I tried, you can call their internal legal department but not their lawyers. I was given an email and every time you send an email to them it comes back that I am not authorized to contact them. I had no way to speak to their lawyers. I was found in default. On XX/XX/XXXX I was sent a letter that via attorney general that I was approved for a 90 day hardship. But I needed to send complete documentation ( a list they sent ) have it notarized and send 4 copies of the exact same thing and also this is the same documentation I previously sent in XXXX. I called internal legal who couldn't help me and again gave me their lawyers email ( which came back not authorized ). I have spent hours, months, calling, writing to them and to the attorney general ( who now I am waiting for a response back ). I have no income, severe back problems and trying to do the right thing but Midland is so deceiving, rude and makes promises and then lies about it. They are horrible to deal with and every call they still ask you for money even when you tell them you have none. 
The attorney general has relayed information to their contact but hasn't been able to help me. I have documentation for everything if you need me to send it. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been asked to validate the XXXX account on my report and has not done so in over 30 days. I feel neglected, unheard, and mistreated seeing has this is not my first or second attempt in getting this account off my report.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information on the account listed below. 

XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019, I called Universal Account Servicing regarding the final payment on my account which should be {$230.00}, but is {$420.00}. The representative I spoke with XXXX was uninformed, rude, and not very customer friendly. After reviewing my account, she stated that Aging had been applied to my account to make it current, but I was still responsible for maintaining payments. Over the course of three years, whenever I paid late or missed a payment, I paid the late fees in addition to doubling or tripling payments to bring the account current. So, I should not get to my last payment and have a balance nearly double what I owe. I asked XXXX if I could speak with a supervisor or manager to have the additional fees waived and was told that neither was available. This is standard procedure with this business when a customer asks to speak with a higher up and is apparently an accepted practice, neither was XXXX able to give me corporate contact information. This Aging thing seems to be a way for this business to apply additional funds and needs to be removed from my balance.
Product: Credit card

I had an XXXX Credit Line. I paid for services and gift cards using the credit line. They filed for bankruptcy and closed down before the services/giftcards could be used and they are now going after me for the money./ I have called them and mailed stuff to them, but they just keep harassing me with phone calls at home, cell and work.
Product: Mortgage

PHH mortgage company received a payment of {$2900.00} on XX/XX/XXXX and it posted on XX/XX/XXXX. The {$2900.00} was enough to payoff the loan. They posted that money in a suspense account and not on my principle. Then I received a statement that I needed to pay XX/XX/2019 payment and it started about partial payments so I send them a payment for {$300.00} Which on that statement it still showed a principle balance of {$2800.00} with the money still in the suspense account. So XX/XX/XXXX I called and allowed them to talk to my wife as she takes for the bills. They said we needed to request a payoff statement which we did. And that the gentleman would have it sent out. So all week I keep messaging and asking for them to transfer my money on to the principle of my loan and it has not been fixed. They are still charging me interest and asking for XX/XX/XXXX payment. So i need help and trying to figure out how to get my money posted to my principle and pay this loan off. I feel they are holding on to my money unfairly. I have never been late and always paid extra on my loan
Product: Debt collection

On XX/XX/XXXX, I received a debt collection call from : XXXX XXXX First Direct Mediation XXXX XXXX XXXX, XXXX, New York. 
XXXX XXXX He stated he was attempting to collect a debt obtained by XXXX XXXX via XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX in the amount of {$700.00} plus interest and the total due is now {$1000.00} He insisted I settle the debt today over the phone that he could settle it for {$720.00} The problem is : XXXX XXXX XXXX  have never obtained a XXXX Loan in any amount. 
2 ) I did not request this XXXX loan- I feel that my identity might have been stolen. 
My drivers license was lost on a trip between New Jersey & New York. 
I reported the license lost and/or stolen when we returned home. I do have a case number. 
3 ) He did have my name, SS # ( although I did not confirm that info for him ). 
He gave me an email address that was associated with this loan : XXXX ( not my email address ) and stated that when they tried to Auto Draft $ $ for repayment from my XXXX account, the draft was returned due to insufficient funds. 
I have NEVER opened or had an account with this bank. 
3 ) Mr. XXXX XXXX verbally told me that if I did not get back with him before XXXX ( Eastern Time ) he would have to turn the information over to the court, I might as well pay the amount- a lawyer and having to appear in Court will cost more money. He also told me that a lien could be placed on my home & other property owned my me or my husband. 
Can you please advise me on how to proceed with this issue of stolen identity? 
Thank you in advance, XXXX XXXX XXXX XXXX XXXX