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

My debit card was used somehow to withdraw over {$9800.00} from my Checking account at SunTrust now truist at the end of XXXX in XXXX  I was leaving for XXXX boot camp on XX/XX/XXXX of XXXX  I called SunTrust after I realized my account was negative {XXXX} I was assured that I would not be held liable and I would be reimbursed my funds while I was away at boot camp. While I was at boot camp I could not have any communication with the bank and I made them aware of that before I left. They sent me a rebuttal form to my address while I was away but I obviously could not get that paperwork back to them due to me being in boot camp. When I got out of boot camp I realized I was still negative XXXX in my account so when I got back to where I live XXXX Florida I went to by local branch a d explained what was happening to a personal banker we called the fraud team and they resent the forms for me to fill out which me and the banker did together and we faxed it in that day the fraud process takes 45 days to complete and on the XXXX day of waiting I was declined my funds because of the fact that I didn't submit my rebuttal forms the first time. I called the banker and scheduled an appointment and we contacted the fraud team again and explained as we had many times that I was in boot camp for the XXXX XXXX and could not have gotten those forms back to them the first time they were sent they then said I could have one more chance to resubmit my forms but it would take another 46 days and they would need proof of my military documents so we faxed all of that information to them that day military documents and a new rebuttal form another 45 days later and I was declined again for no reason. I asked them why I was declined and they did not give me a reason I've given everything they've asked for and they refuse to give me my money back and now on top of it since the account was negative XXXX they've sent it to collections and are now trying to collect that money from me. 

I told the fraud team that they have cameras on the ATM why can't they look at it and tell that it's not me making the transactions and they told me verbatim the cameras on all of the ATMs are fake and just for show which I know is obviously a lie. 

DISPUTE AMOUNT {XXXX} CASE NUMBER XXXX ______________________ DISPUTE AMOUNT {XXXX} CASE NUMBER XXXX I have 2 separate dispute cases open 1 in the amount of XXXX the other in the amount of XXXX 1st dispute case # XXXX 2nd dispute case # XXXX
Product: Mortgage

I have had a home mortgage with Quicken, now Rocket Mortgage since XXXX. Every month I schedule a payment via their website. I scheduled a payment for XX/XX/XXXX. Somehow, the payment amount was taken from my XXXX checking account twice. I phoned Rocket and spoke to an agent and explained that a payment was taken from my bank twice. She requested and was given me routing number as well as account number. She stated that it could take as long as 7 days for my reimbursement. 
On XXXX XXXX I again phoned Rocket and spoke to XXXX, having not received my refund. She, once again, stated that it would take another seven days for a refund explaining that the first agent had not processed my request. She added that some " executive committee '' would first have to review my request. XXXX seemed upset when I asked what this " committee '' was.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear GENERAL REV, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Revised Statutes, specifically Missouri Revised Statutes Section 570.223 and other applicable Missouri identity fraud laws. 

It has unequivocally come to my attention that GENERAL REV has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). This unauthorized reporting is a direct violation of my rights as a consumer.

In addition to federal law, Missouris state laws, particularly Section 570.223, emphasize the seriousness of identity theft and the misuse of personal information. Unauthorized access or reporting of personal and credit information without consent is a criminal offense under Missouri law, and such violations are taken seriously to protect consumers from identity theft and fraudulent activity. 

I assert with unwavering certainty that I have not provided consent for GENERAL REV to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that GENERAL REV immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity fraud laws, including Section 570.223 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and Missouri state laws, including identity fraud provisions.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that GENERAL REV will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax about 3-4 weeks ago and spoke with a representative named XXXX to request an early exclusion on a collection account that is due to age off my credit report this coming XXXX. He granted me this early exclusion and said that this collection account would be removed with the next update of my report. Well, I just refreshed all 3 of my credit reports and this collection is STILL ON my Equifax report, despite the fact that I was told by YOUR agent that this account would be REMOVED IMMEDIATELY and would reflect this on my next report refresh. In fact, it says that the balance on this account was updated on XX/XX/XXXX, just 5 days ago, when this account should have been DELETED as your representative granted me an EARLY EXCLUSION on it. This collection is from XXXX XXXX XXXX. I have uploaded a screenshot of this collection as it currently reflects on my Equifax report with this complaint. Again, YOUR REPRESENTATIVE, XXXX, whom I spoke with on the phone a few weeks ago, ASSURED ME that this account would be DELETED as he was granting me an EARLY EXCLUSION. If this is not deleted from my report IMMEDIATELY, I will report Equifax to the State of Maine Attorney General 's office.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent inquiries in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of inquiries that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX   XXXX B U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DEPT OF ED/XXXX   XXXX XXXX DEPT OF ED/XXXX  XXXX B DPT EDXXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX B DPT EDXXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX  DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

My car was repossessed XX/XX/year> My car was re-sold XX/XX/year> around the first week of XXXX. They emailed me and sent me a letter saying that I owe XXXX on my vehicle but on my credit report it is stating that I owe XXXX I would like to request a bill of sale due to the part due to the vehicle being re-sold
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two accounts twice with all credit bureaus, XXXX, Transunion and XXXX. The errors are still not fixed and the accounts are still reporting on my credit reports. The account with XXXX XXXX XXXX was sold to XXXX XXXX. Both accounts are on my credit reports. I disputed the information reporting on both accounts. The credit bureaus allowed both companies to verify information that is clearly inaccurate as accurate. Again, these are the same accounts. However, the account number with XXXX XXXX XXXX and XXXX XXXX is different. The open date is different. The last payment date is different. The last active date is different. With XXXX XXXX, the open date is reporting as XX/XX/XXXX. However the last active date and last payment date is reporting as XX/XX/XXXX with XXXX. The last payment date and last active date can not be before the open date so this is obvious inaccurate information. Also, with XXXX, the payment status has been 120 days late for years. This is obviously inaccurate. I requested that the credit bureaus send the information used to verify this information. The credit bureaus did not send this information.
Product: Checking or savings account

Vystar Credit Union in the news for massive incompetence corruption has OUTRIGHT LIED to me about getting me my final balance from my account I closed with them. 

I was referred to one XXXX XXXX who does NOT answer his phone all week at the bank and XXXX XXXX who told me she was over-nighting my final check certified overnight -- it never arrive and XXXX XXXX never answered her phone again. 

Then I was told when that failed that they were wiring me the money -- - that never materialized either.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/2022, I received notice that my Information was used for a bank account that I had no idea that was opened in my name. This made me aware that many other actions like credit cards were issued using my information. I then proceeded to place a freeze on my accounts through the credit bureaus. This Year I reached out to the debt collectors to ask if they can validate these debts either through an original copy of the contract or a purchase agreement, they did not provide those documents, but instead summons me to court for a lawsuit. My identity was compromised and stolen and was used. Before I knew about this or could do something about this. My information was used. I have already taken steps to report my Identity theft. However, Im still dealing with these debt collectors whos primary focus is to collect.
Product: Debt collection

my information was exposed to a data breach 15usc 1681. I didnt know who to call or go to about this matter. I also did a complaint already on resurgent collection company, with your company. I didnt some research ( NMLS ) on resurgent collection company and found that they are not allow to collect on debt in the state of Texas . There not licensed in state of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - mailed certified letter asking them to remove XXXX XXXX XXXX from my credit report. They are showing a balance of {$520.00} that has been sold to a collection agency that is also trying to collect this debt. 

Within the allotted 30 days, I received response that it has been verified. 

XX/XX/XXXX - Mailed Certified Letter requesting Method of Verification within 15 days per FCRA 611 ( a ) ( 7 ).

XX/XX/XXXX - Received same letter again simply saying verified. I have still received no method of verification for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  acount # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

THIS IS REALLY FRUSTRATING ME!! This claim of inquiry is as of yet without testimonial physical confirmation of adequately lawfully achieved permissible purpose from anyone adequately identified as EXACTLY me and or from anyone authorized to yield permissible purpose for me. It is my belief that it can not and or will not be certificated, as requisite by federal laws, with PHYSICAL DOCUMENT EVIDENCE that any such accusation of attempted or achieved application for credit or otherwise was made by me, with my knowledge, and or with my consent or that of anyone authorized to do so for me. It is my consumer rights to do so, and I am now and here in composition executing the rights to forcibly compel you to factually demonstrate every and one even each any and all of the mandated and or provided proofs that indeed I or my authorized agent truly, accurately, timely, and compliantly consented to this inquiry. I do so in light of at least the federal laws including the XXXX enacted Metro-2 compliance regulations, FCRA Section 609, FCRA Section 605, in accordance to FCRA 1681 ( b ) ( e ) as well as the accuracy of this inquiry via FCRA Section 623.As you know, allegations due to subterfuge is illegal and unauthorized. DELETE TODAY, even right NOW and right HERE SINCE YOU CAN NOT or WILL NOT be able to present Verified Validating Evidence by physically giving the certificate of the TRUTH, ACCURACY, COMPLETENESS, and or COMPLIANCE within the OBLIGATORY FEDERALLY DEFINED TIMELY manner to every and one even each any and or all of the aspects or articles of this claim including but NOT limited to all notations, dates, identities, the 426 character P6 statement ( s ), minimal five ( 5 ) portioned Personal Identifiers,386 pieces of Confirmation, any and one Alpha-/ Numeric-/ and or Alphanumeric Source Code ( s ), whether mentioned or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX XXXX, and XXXX XXXX I notified the credit reporting agency that I was a victim of Identity theft and that the account listed on my credit report under public records for a dismissed bankruptcy was inaccurate and incorrect. I sent the credit reporting agency letters from both my tax collector office and the Bankruptcy court the creditor is stating validated this information as proof that this public record was incorrect, inaccurate and should not be on my credit file and the credit reporting agency has refused to furnish information on how they are validating this debt and remove this inaccurate and incorrect information from my credit report. I am now in emotional distress and losing job opportunities due to this inaccurate and incorrect information on my credit report. I did not file a bankruptcy and it does not belong to me.
Product: Checking or savings account

I have a Checking Account with Truist Bank A/C number XXXX. I originally opened this account with XXXX Bank which sold its retail operations to XXXX XXXX XXXX  which was acquired by Truist. 
I moved to XXXX in XXXX, but still maintain this checking account at the Bank. I transacted as recently as XX/XX/XXXX, but when I tried to transact this past week, I couldn't. 
I called the bank to understand why I wasn't able to transfer money from my account, I was told the account had gone dormant. 
I used XXXX service XXXX to transfer {$10000.00} to my nephew in XXXXXXXX XXXX for his term fee and living XXXX verified that I had enough money in my checking account but they are unable to get the funds because Truist has deemed my account dormant. 
They refuse to change the status to active unless I visit a branch, which I am unable to do because I am in XXXX. The only other option thay are giving me is to have someone in the XXXX to go to a branch and I add them as a joint account holder through phone while they are at the branch. This is not possible either. 
Now XXXX has refered my account to collections which is humiliating as I have never been delinquent or at default before. I am afraid that my credit history will be tarnished.
Product: Credit reporting or other personal consumer reports

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

For the past week since XX/XX/XXXX I repeatedly called MOHELA requesting why my payment amount when from ~ {$500.00} to XXXX per month. I am currently on an income based repayment plan and was automatically switched to SAVE from REPAYE. After this switch the payment amount changed. Multiple people at MOHELA have said it is a glitch without giving any actual information as to why this happened and how it can rectified. The SAVE program if anything should have a lower payment than REPAYE not a 3x higher payment. They kept asking me for my income information over the phone and I refused because I am not scheduled to give my new income recertification until XX/XX/XXXX and I DO NOT want to recertify until I have to. They will not or can not even tell me what information the new payment amount was calculated using. This glitch they keep referring to is given no good explanation or timeline as to when it will be fixed. They said they would submit an IDR request to have the payment switched back to what it was with REPAYE but that should technically not be possible given it does not exist anymore so I am not sure what they are doing. Regardless they have been entirely unhelpful and almost purposely deceitful trying to get my to do a recertification many months before I am scheduled to.