23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is Part XXXX of case number XXXX.SunTrust has cancelled the subordinate DOT on XXXX XXXX XXXX, thanks to you all. However, they sold my property at XXXX. They keep on passing it around amongst themselves. I am sending copies of the original deed to prove that the land was never financed or signed off to anyone by me and that it was given to me by my mother. The loan ( {$38000.00} ) that SunTrust alleged that I borrowed never happened. I tried to tell them that during their merger with XXXX some papers got mixed up. Thank God that its been almost 15 yrs and I am still holding on. The letter that SunTrust wrote dated XXXX XXXX, XXXX is fabricated. On XXXX XXXX, XXXX we did n't have a primary residence and the {$37000.00} was part of the original construction loan of {$140000.00}. I 've never been a landlord nor have I ever owned rental property. The {$37000.00} was paid off whenever XXXX XXXX took over the construction loan. I sent you a copy of the Cancelled DOT in my XXXX complaint. How could they refinance something that was paid off? Where did the commercial loan come from. I 'm sending you a copy of the original deed. It 's all residential and never been listed as commercial land. XXXX buyers of the land were fooled by SunTrust and bought the land but got a full refund. It 's just a little under an acre ( XXXX acres XXXX but it was my mom 's and she passed it on to me to have to keep her financially secure if I needed to. My mom passed XXXX XXXX, XXXX. I would n't sell that land for anything. SunTrust kept threatening me over and over again about signing a new note. The note that I signed in person were in the amount of {$37000.00} and I never seen this XXXX for the {$38000.00} until later. I told the Bank that I never signed a note stating that I borrowed that money for rental or renovation properties. This has been a nightmare ever since those banks merged. I never had a proper closing, my attorney died, my builder had to move on to another job out of town, the company that sold the house filed Chapter XXXX and we had to apply to XXXX County for a Certificate Of Occupancy to move in our new home. We were homeless and nobody seemed to care. I did n't know about real-estate loan but I do now. I hope that everyone can understand that this was XXXX big mistake. I only signed for the {$37000.00} loan. Everything I have said it the truth. I have repeated this over and over. Please have SunTrust to give me back my mom 's keepsake and our monies back. We are in the process of refinancing our mortgage loan to a fixed rate now because the subordinate loan was removed. Again, thanks a XXXX times for listening to me. I have more papers if you need them. I have been collecting them over the years. I am sending a list of the checks I 've paid to SunTrust over the years. I had to stop paying them so that I could get some help or at least get someone to respond to me. It has cost me hard ache, pain and financial hardship but I got to someone who will hear my plea. Again, thank you all very much for everything that 's been done so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

My attorney and I have been working with each credit Bureau and some of the item was removed found to be fraudulently were taken off but my score is mainly the same they have not updated my score as it should be higher even after they have removed item that was fraudulently done. he is still working with them and so am I they have only raised my score slightly. XXXX  I have called and all I get is the same answer it has been more than 30-60 days I have been working with them and my attorney has held a 3way conference call with them. I really hope this issue can be resolved. What good is it if know one listen coming from a person who has been involved with someone using my identity, I have took every step that was requested of me with my lawyer involved that still has not raised my score as they should have.
Product: Checking or savings account

My Truist account ( Account # XXXX ) was hacked on XX/XX/year>. A total of {$5000.00} was taken out overnight starting at XXXX Est. The funds were removed via XXXX, XXXX and Wire transfer. New and unauthorized XXXX and XXXX recipients were added without my verification through XXXX security texts. I received calls from Truist asking me if I was trying to change my password. I responded no, and yet Truist 's security for my online banking portal was bypassed, and my funds were transferred out to unknown entities. 
Truist instructed me to fill out an ACH Reversal form. While the agent tried to lead me through this step, she said it was too late because the account had already been frozen by Truist and that I could not access it on my end. At this time, I am no longer able to see the transaction on my online portal, but I have attached a statement showing the transactions. I was told to wait 90 days to be reimbursed by Truist for the unauthorized ACH payment of {$1800.00} made on XX/XX/year>. On XX/XX/year>, Truist sent correspondence that they were not able to recover the funds. On XX/XX/year>, I called the XXXX XXXX Department ( XXXX ) and spoke to XXXXXXXX XXXX XXXX XXXX XXXX They confirmed that the reason the funds were not reimbursed is because Truist could not verify that the transaction was fraudulent. 
On XX/XX/year>, I followed Truist 's instructions to file a police and FBI report, and I went into a local branch to create a new account and create a new login profile. I waited 90 days for Truist to process my claim and they concluded that they are refusing to reimburse the stolen funds of {$1800.00} taken via XXXX, even though the other unauthorized transactions via XXXX and wire had been verified as fraudulent and refunded immediately. 
I am requesting that Truist reimburse my business checking account for {$1800.00}, as I followed all instructions in a timely manner, and because I immediately verified that the XXXX, wire and ACH transactions were fraudulent.
Product: Debt collection

Upon checking my consumer report. I see that your company is saying that i owe you a medical debt. I have not did any business with your company. I didn't give your company authorization to access my information. Any information open by your company is not mines and is considered fraud.
Product: Credit card

On XX/XX/2022, I was charged {$470.00} on my GM Rewards Card with Goldman Sachs. It was an unauthorized and fraudulent charge. I have been trying to resolve the dispute with Goldman for a year and a half at this point and they are still forcing me to pay a fraudulent charge. The merchant is listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX. I would like this investigated and resolved. Goldman has refused to help me, is making me pay a charge that I didnt authorize. All I want as a consumer is to not be forced to pay for a charge I didnt authorize. Theyve asked me for evidence to prove this is a fraudulent charge. I have never been asked for such evidence by a credit card company. How am I supposed to provide evidence for a charge I didnt authorize? Goldman has made me go on a wild goose chase for XXXX years. I want it to stop and I want the credit card issuer to cover this fraudulent charge, which I didnt authorize. If a credit card company refuses to cover fraudulent charges of its consumers, it shouldnt be in the credit card business
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( RCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit with Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

IMMEDIATE ACTION REQUIRED UNDER FCRA 623 CODIFIED AT [ 15 U.S.C. 1681s-2 ] DEMAND FOR REMOVAL OF FRAUDULENT/INACCURATE INFORMATION Dear Experian, This letter serves as a formal dispute and demand for immediate action under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ] regarding fraudulent and/or inaccurate information reported on my credit file. The inclusion of this erroneous data has caused unwarranted harm to my creditworthiness and financial reputation, and immediate corrective action is required. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 above-listed accounts are either fraudulent or inaccurate, and I demand their immediate investigation and removal from my credit report. 

As stipulated under FCRA guidelines, you are legally required to conduct a thorough investigation and respond to this dispute **within XXXX days of receiving this correspondence. Additionally, I reserve the right to pursue legal remedies as necessary. 


I demand written confirmation of the actions taken to resolve this matter, along with all findings and any supporting documentation obtained during your investigation. This includes verification of the accuracy of the disputed information or confirmation of its removal from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported a collection my my transunion credit report. This was fraudulent. I had filed a police report and an identiy theft affidavitt. i also provided this information to transunion on XXXX and again on XXXX via certified mail. Transunion to-date has NOT removed this fraudulent item. see attached backup. 

Enclosures ( already sent to Transunion TWICE ) : a. Police Report XXXX XXXX b. Identity Theft Affidavit dated XXXX XXXX XXXX XXXX XXXX  CLEARLY STATING THIS CHARGE WAS FRAUD. 
c. Copy of XX/XX/year> Pay Stub showing current address d. Copy of Drivers License e. Copy of Social Security Card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Equifax and with XXXX. I am victim of a horrible claim specialist with XXXX XXXX. She improperly set up my car rental ( all covered by my insurance ) and assured me that my credit card was only on file as a just in case and it was all paid by XXXX. My card was charged {$950.00}, which I quickly had removed from my account with XXXX XXXX and I made XXXX fix their error by sending me the money. The {$950.00} put my card over the limit, but my limit had already increased to {$6000.00}, it just hadnt been reported yet. My credit card being maxed out was reported and dropped my score XXXX points. This was entirely out of my control and I rectified the situation immediately. It was simply poor timing and bad luck for me, but now my credit is hindering my goals of getting a mortgage. I did NOT max out my card, nor did I allow the charge on my card. It has been taken up with XXXX and XXXX XXXX and fixed, but Equifax did not restore my points after my dispute. XXXX has an old wifi account that was my ex boyfriends account but under my name. He had falsely told me the account was closed when it wasnt, so the burden fell on me. It is only about {$250.00}, so I have tried many times to pay it off. However, every time I contact XXXX  ( which at the time was XXXX XXXX ), they can not find any information linked to the account or ANY of my information. The debt collection agency can not access any of the account information either and therefore can not take any payment on an account that DOES NOT EXIST. It is frustrating that even when Ive tried to pay it off, I physically am unable to due to the carelessness of a company during their changing processes. It is not my fault that nor I or anyone else can access the account to pay it off. I believe that due to the unique nature of this particular debt, it should be removed from my credit report! I have disputed it countless times over a long period of time to no avail. I am sick and tired of my credit taking hits over things that are entirely out of my control!! I am responsible, I am financially stable, and I am trying to do bigger and better things with my life which my credit score WILL affect! I want both of these issues resolved, and I seem to be having no luck in doing so, and all the while not even getting a solid reason for the decisions made in my cases. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft XXXX XXXX XXXX  Open XX/XX/13 Amount XXXX Was in hospital under XXXX  unknown person stole personal information and used it to apply for XXXX  XXXX credit card I did not consent to this
Product: Credit card or prepaid card

Marcus bought my credit card account from XXXX. I had direct deposit with XXXX, but marcus did not honor it, I was charged a {$29.00} late fee.
Product: Vehicle loan or lease

On XX/XX/21 We turned in our old leased vehicle XXXX XXXX in XXXX PA. 
We decided to take out a new lease on a new vehicle that day at this dealership. 
When we went in to sign the loan papers we stated that they had the names in the wrong place. My husband was to be the Lessee & I the Co-lessee. They said no this was the correct way. I as the Lessee & he as the co-lessee. So everything went through. We left with the new vehicle. 1 week later I received a call from GM Finance They stated that they still had us listed on the old vehicle and that the payment was due for that car. I told them we turned it in. They said I had to call the dealer and tell them to do a close end on the old vehicle. That they had no record of a new lease. So I did just that. I talked to an appraiser there who said he would get the sales mgr. involved. I talked to the sales mgr who said he would take care of it and call me mon. 
with my new account number. No call. To make a long story short I have been on the phone with GM Financial XXXX & XXXX for 3 weeks trying to get this solved. The only thing that happened was we got NEW loan papers that had been corrected with names and totals to sign. This involved GM Financial running a new credit report on XX/XX/21 for the new loan papers. that XXXX submitted to them. This affected our credit score. Also we are in the process of refinancing our house. Now the loan Co. wants to know why we took on new debt as of XX/XX/21. We didn't, it was before we refinanced. I am at my wits end. Gm still has the old vehicle listed even though we turned it in a month ago. Every time I talk to someone either at the Dealer or Gm they say they will take care of it. So here we are still a month later.and still not resolved.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

After an initial truth in lending disclosure, I have never received a periodic statement from this company. I enrolled in auto pay, but never received regular communications about my account balance and how my payment was being applied, what the interest charges were, or how long it would take to pay off my balance at my current autopay level. 
On XX/XX/22 I checked the website to learn my payoff balance. The information was unclear and confusing. It showed a balance owed and also a credit of more than the balance owed. There were no online statements where I could see how my payments were applied and their impact on my balance, only a record of the payments and interest charges. I had to wait until the company was open to get an explanation. They told me that the credit on my account had already been applied to the balance, which was really confusing. I am still not sure that is true. I was able to confirm verbally that if I pay off the balance owed that my account will be XXXX and I will not have over payed but this information is not clear from the online account information.
Product: Checking or savings account

In XXXX XXXX their was two transaction from two companies stores the where unauthorized from taking money from my cash app account. I filed a fraud report with federal commission office and disputed with cash app they approved one and gave me the money back but within less then 24 hours they denied the one I'm complaining about now to you. I even copied and pasted the name of the ones that took my money and searched the internet it clearly pops up as a scammer I email both the CEO of cash app numerous emails to costumer service and the CEO of block still didn't get any thing resolved and I asked for the document that they made the discussion from and nothing they never sent them to me. It's not much much money but I spent almost two weeks doing everything to get my money back and cashapp is going around in circle. It's {$47.00} from a store XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I still don't have my money back and now with having to get them to send new card and time doing this stuff I wasted time on stuff I needed to do in my life. Cash app info is under my phone or XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I paid my usual rent payment of {$2900.00} ( Check XXXX ) to the usual landlord. This has been my normal practice for the last 24 months so there is a clear history of a monthly check with " Rent '' in the memo line in the SAME amount to the SAME recipient. 

For some reason, on XX/XX/XXXX, when presented for payment, Capital One did not immediately settle the check. Instead, I received the attached email asking asking me to confirm it was not fraudulent. I immediately clicked the BIG GREEN BUTTON that " everything is OK ''. Being an excellent customer with a long history of writing checks with this same amount for the previous 24 months, I expected them to honor my check with MY MONEY. 

As I had confirmed payment IMMEDIATELY UPON RECEIPT, I thought nothing of it until I received ANOTHER email that Capital One Bank refused to pay the check as presented ( ATTACHED ). 

Because of their failure to abide by my instructions DESPITE MY CONFIRMATION THAT I DID INDEED ISSUE THE CHECK, AND DESPITE A MONTHLY PAYMENT OF THIS SAME AMOUNT TO THE SAME RECIPIENT FOR THE PREVIOUS 24 MONTHS I am being charged a late fee of {$50.00} from my landlord. 

This is HIGHLY UNFAIR and TOTALLY UNACCEPTABLE. I did NOTHING WRONG, I CONFIRMED I WROTE THE CHECK, and any two minute research into my account would have shown nothing amiss. I am all for security - but this can not be acceptable behavior when not only did I confirm the check was written by me, it was a well known payee in the same amount. 

I am NOT going to allow Capital One to bully me like this after I have put over a XXXX dollars, possibly XXXX XXXX, in that bank and am an exceedingly loyal customer. 

If I am not immediately reimbursed for this amount, with a full apology, I will file every possible legal and ethical recourse against this bank and -- of course - remove every XXXX from. This CAN NOT BE ALLOWED - The bank had NO reason to withhold payment and put me in this situation to where I am now being harassed unfairly.
Product: Debt collection

I talk to XXXX man and transfer me me another guy .the other they transfer me to was rude and yelling at me treating me that there taking legal action. I stated how do I know this could be a scam and I look up the phone number and people stated something things about them. He started getting loud and saying then just wait and see what happens and that this was my fault you should pay your bills.then he called my sister and then my father twice and harassing them on the phone. He never stated where he was from and what company. It 's stressing me out and I am having sleepless nights BC they keep calling. 
They asking for my personal from family also.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Bank account or service

I continue to receive phone calls on my mobile phone generally at ( XXXX almost daily ) from TD Bank regarding SOMEONE ELSE and their " personal business matter ''. The phone call I am receiving calls from is XXXX Extension XXXX. I have either answered or called back and spoken to representatives a minimum of XXXX times explaining that I am not the person they are looking for. On XXXX/XXXX/16 I spoke to an extremely RUDE operator ( operator # XXXX ) and asked to speak with a supervisor. She told me that she did not think that a supervisor was available. My response was " I 'm sure there is ''. After being on hold for 8 minutes, Operator XXXX came back on the line and told me a supervisor was unable to speak with me but that she located the account that was the root of these calls being made to me and removed the phone number from their list. I explained that this is the XXXX time that I have been told this and was very untrusting and displeased with this " resolution ''. Throughout the entire phone call ( as was with the case with the others ) this operator ( # XXXX ) was beyond rude and very unprofessional. Firstly, I am not the person they are looking for and secondly, no one should be spoken to and or treated this way by a business, especially one as large and well known as TD Bank. I ironically know the person they are trying to reach, have discussed these calls with the person they are trying to reach and told him that I would give TD Bank his information. TD Bank refuses to take said information. I appreciate any help I can receive.