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

XX/XX/2020, account opened for checking and savings account on Suntrust.com XX/XX/2020, Suntrust debited my other bank for {$100.00} and for {$50.00} to fund my checking and savings account at Suntrust. They sent me welcome emails and information packets to my email welcoming me to Suntrust. 

XX/XX/2020, unable to log into my Suntrust account, no email received. Called Suntrust, they stated account had been closed due to undisclosed reasons. They said they didn't see any balance on the account and no money had been added to it. When told funds were added upon opening, they said if so then it would be refunded back to my debit card that I funded it from. 

XX/XX/2020, funds not refunded, still missing {$150.00}, when I spoke to Suntrust again, they told me the account was closed and they didn't see any money was added to my account but if it had been then a paper check would have been mailed. 

Problem : Opened account but it was closed without notification. {$150.00} was never refunded back to me after Suntrust took it from my other bank account to open my checking and savings.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and do not have a contract with any collection agency. They do not provide me with the original application like I asked Proof of copy of original application that includes my signature Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant send proof delete this account from credit report as soon as possible! YOU ARE THE ONLY ONE REPORTING THIS ACCOUNT AS WELL!!
Product: Credit reporting, credit repair services, or other personal consumer reports

NUMEROUS TIMES I HAVE SENT A REQUEST TO EQUIFAX REQUESTING TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. I HAVE SENT THEM MY POLICE REPORT ALONG WITH MY IDENTITY THEFT REPORT. EQUIFAX REFUSES TO REMOVE THE FRAUDULENT ACCOUNTS, BUT THE OTHER BUREAUS HAVE COMPLETED THEIR COMPLETE INVESTIGATION AND THE FRAUDULENT ACCOUNTS WERE DELETED
Product: Credit reporting or other personal consumer reports

Per the FCRA ( Fair Credit Reporting Act ) 15 U.S. Code 1682 sec 602 states .... There's a need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer right to privacy. XXXX XXXX XXXX are consumer reporting agencies, I am the consumer. I ( the consumer ) have the right to make sure that my information ( private ) is not shared which is protected by 15 U.S. Code 6801..It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ( Furnisher of information to credit agencies : a financial institution defined under that title ) 15 U.S. Code sec 604a sec 2 says ... .. in general subject to subsection ( c ) ANY consumer reporting agencies may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. XXXX XXXX XXXX and any other credit agencies DO NOT have my written consent to furnish this information. ANY and ALL consent to XXXX XXXX XXXX and any other credit agencies... ..weather it be verbal, non-verbal, written, implied, or otherwise is REVOKED. 15 U.S. code 6802 ( b ) ( c ) says that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ... me ( the consumer ) gives an explanation of how the consumer can exercise that nondisclosure option. The credit agencies never informed me of my right to exercise my nondisclosure option. 15 U.S. code 1681c ( a ) ( 5 ) says ... except as authorized under the subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ... .ANY adverse item information, other than records of convictions of crimes which means antedates the report by more than 7 years. My account has adverse items they are reporting without my consent/permission which is against the law. 15 U.S. Code 1681s ( A ) ( 1 ) says ... 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. 15 U.S. Code 1681e says... EVERY consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681b of this title. XXXX & XXXX are not maintaining reasonable procedures. Lastly, 15 U.S. Code 12 CFR 1016.7 says... .a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit card or prepaid card

Hi there, My name is XXXX XXXX. On my credit report it shows that I do own credit card from Chase bank which is incorrect due the fact that I never open teen or have a chase bank account, clearly he seems like someone else using my identity to obtain a credit card under my name, therefore I 'm writing to agency today to decline any responsibilities regarding this matter, also asking your agency to assist me to identify who is the person that is using my name and releasing me from any responsibility related to this matter, your maximum cooperation much appreciated. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report XXXX XXXX {$230.00}
Product: Credit reporting or other personal consumer reports

Opened a dispute with Experian over a loan I have with onemain for inaccurate information saying my account was late when it was not, or later than it actually was. Dispute came back with an additional late payment for a month that was not previously reported late at any point in time, but is being reported as such now. This has had a severe negative effect on my credit report and may impact my ability to access credit or financing in the future.
Product: Credit reporting or other personal consumer reports

there have been multiple inquiries, on my behalf to credit karma an alarming exagerrated amount of times, and i know for a that was not me, there was a report posted XX/XX/XXXX, possible fraud but that was not me, i never logged in at all that day, i honestly believe soemone has access to all my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing because I was scam on my 2 debit card from Chase bank and XXXX XXXX XXXX. I called them to explain but they told me that the person have my debit card and he used the atm machine to deposit a fake check so they couldnt do nothing about it. The problem is that I was new in this country I dont know nothing about how banks work. This guy asked me to deposit his money to my debit card so he can take out later because hes still waiting for his card. So without no hesitation and no English I told myself let me help him to cash out his money so he told me I can call my bank and let them know and I did call them and they were asking random questions since my English wasnt that much I just replying to what I know. And later I learned that my account were closed but I didnt do nothing about it because I didnt know it would be a big problem. As years passed I want to open an account with chase bank and the lady explain to me that my account was fraud and I cant longer open an account with them Since then I start asking for help and thats what people explain me that they are people scamming others. But my main concern is that I dont know whats was going on and I didnt take that bunch of money so on my report it is stating that Im a theft and its hard for me to open a credit card and I really need a credit to finish my college. If theres anything I can do to erase please I need help. Thanks
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX and XXXX of 2019 I paid {$580.00} on my account with XXXX XXXX XXXX. The total amount paid was to settle the account with XXXX. I provided supporting evidence of the payments including a copy of the settlement agreement, my bank statement showing the payments, and disputed that the balance was incorrect, the payment history is showing these payments as not made, and it doesnt show the account was even transferred to the collections company. Yet after multiple disputes with proof all three credit bureaus certify they investigated it and that it is accurate!
Product: Money transfer, virtual currency, or money service

Started an account with Binance.us ( Bam trading services ) for trading Cryptocurrency and initially invested {$1000.00}. After their initial verification process and setting up my chase bank account I proceeded with a deposit of {$1000.00} through their online mobile app using my XXXX. The first try to initially deposit the {$1000.00} on the Binance.us app message showed failed and to try again later in which I did as many as 5 times total. At that time I gave up trying to deposit and logged onto my chase account only to discover that all 5 transactions actually went through leaving my chase account in default. I then called chase to stop and reverse these transactions which they did and that caused Binance.us to reach out to me to correct my account which I did. Later on that month I started to make multiple smaller deposits from my chase account which went through and was able to make investments into buying cryptocurrencies up until about XXXX and then started receiving deposit failure messages again and could not deposit or withdraw from my account but it would allow me to trade cryptocurrencies for others. I've submitted many request to Binance.us to fix my account only to receive an automated standard response to guide me through steps in order to help link my chase account again. After many attempts to delete and re-add the App and even log onto my account from an actual computer as well as every step requested by them through email to me I still can't deposit or withdraw from the account. Also to make matters worse I'm getting emails from them about tax statements available for this account which I can't even get into to deposit or remove from so now I'll have to pay taxes on an illusionary account that I can't even withdraw from. I also attempted to leave their exchange and remove coins to another exchange in which that was blocked also from withdrawl. At this point since they have no customer service number and only give automated email responses I don't know what else that I can do.
Product: Debt collection

I filed numerous disputes with Central Financial Control and advised them to provide me with contracts with authentic signature than begun this alleged debt. Central Financial Control Provided me information that is woefully deficient and fails to establish that this is a valid item. 

First, Central Financial Control have not, by any credible means, demonstrated that I owe this alleged debt to their organization. Central Financial Control have failed to provide any document bearing my signature that would establish that I have any indebtedness to their company. 

Second, Central Financial Control have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which Central Financial Control could easily have fabricated, failed to prove that there is any legal or contractual obligation between myself, their agency or the creditor. 

Third, as Central Financial Control have failed to establish any relationship between me and the purported debt, I demand that Central Financial Control discontinue reporting this item to the credit bureaus and, in fact, that they delete the item. Additionally, note that if Central Financial Control continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I did not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to Central Financial Control AND to the original creditor. Their answers were condescending and I advised them that I would report there negative response to the Consumer Financial Protection Bureau and the XXXX. Central Financial Control hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DO NOT have any contractual obligation to pay Central Financial Control at this point Central Financial Control have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute letters since XXXX to Experian Information Services challenging their reporting on two collection accounts XXXX XXXX XXXX parked in my credit report back in XXXX and XXXX on alleged unsubstantiated debts they purchased back on XX/XX/XXXX and XX/XX/XXXX and starting trying to collect from me on debts that they have failed to validate to me. XXXX XXXX has been reporting to Experian and they have been updating monthly since then. I have sent methods of verification requests to Experian on what XXXX XXXX or the original creditors sent to them to certify these debts as accurate. To date they have failed to comply. Experian keep replying back the information was certified as accurate and update. To date XXXX and Experian both have failed to provide me any viable evidence to substantiate their claims and reporting as 100 % true and accurate. Can they legally ignore my disputes and methods of verification requests?
Product: Debt collection

ON XX/XX/2020 I WENT TO THE XXXX XXXX FOR A CONSULTATION, WHILE THERE I WAS PRESSURED INTO SIGNING UP FOR CREDIT {$8000.00} FOR XXXX XXXX  WHICH WAS {$4000.00}, I WAS MEASURED AND PHOTO TAKEN OF MY HEAD! I GOT HOME AND DECIDED IT WAS NOT FOR ME DUE TO IM A SENIOR XXXX VETERAN ON A FIXED INCOME, I HAD 3 DAYS TO CANCEL AT WHICH TIME I REACHED OUT TO THE HAIR CLUB THEY WERE CLOSED ON MONDAY, ON TUESDAY WHEN I FINALLY WAS ABLE TO REACH THEM TO CANCELL I WAS TOLD BY THEM I WAS 1 DAY TOO LATE AND THAT I COULD NOT CANCEL AND WILL NOT CANCEL CAUSE THEY MADE ME HAIR OVER NIGHT IN THERE LAB, I TOLD THEM I WAS NOT INTERESTED AND WANTED TO CANCEL, THE XXXX XXXX BEGAN BILLING ME FOR {$3700.00} WITH LATE FEES! I TOLD THE BANK COMMENITY THE SITUATUION THEY FILED 5 DISPUTES ON MY BEHALF ONLY TO HAVE XXXX XXXX REFUSED TO CANCEL, ON XX/XX/2020 XXXX XXXX GAVE COMMENITY BANK {$1500.00} BACK AND CONTINUES TO BILL ME FOR {$2200.00} THEY REFUSE TO GIVE THE BANK BACK ALL THERE MONEY THEY TOOK THE {$3700.00} FOR SERVICES NOT RENDERED OR WANTED.
Product: Credit reporting

I have been going over my credit report, and have noticed that Experian is posting inquiries on my report that I did not authorize. Moreover, there are instances of duplicate entries. 
The ONLY inquiries that I have authorized are below : 1 ) XXXX ( XXXX XXXX, 2016 ) 2 ) XXXX ( XXXX XXXX, 2016 ) 3 ) XXXX ( XXXX XXXX, 2016 ) 4 ) XXXX ( XXXX XXXX, 2016 ) There is no excuse for any other inquiries on my report. Moreover, XXXX ( in XXXX ) was given my report XXXX times within 5 days, which is obsurd since the only financing I sought out ( and received ) was from XXXX in XXXX. I believe there is a huge mistake. Experian needs to correct this - giving copies of my credit report without my express written consent violates FCRA. 
The only inquiries to be on my report at this time are the XXXX that I mentioned above. I am not currently seeking credit, and have only sought credit during the aforementioned 4 times above. 
Anything else from TODAY 'S DATE to XXXX XXXX must be removed. Permissible purpose was not established nor granted by me as I did not ask for credit, and these are not soft inquiries. They are hurting any future chances of me legitimately asking for credit, which means it is hurting me financially. 
My identification has been uploaded for your convenience. 
A copy of this complaint has been forwarded to my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried a few times to remove these unverified and unknown accounts from my credit report, however the major credit bureaus insist on keep reporting information inwhich is taking from one side, the supposed creditors. I have requested and questioned their Method Of Verification and have not received anything. My next step will be to file a law suit against the reporting agencies. The Fair Credit Reporting Act states that if the credit reporting agencies can not provide consumer with request and physical documentation of what's being requested then the accounts shall be removed immediately. I'm Demanding that these accounts either be blocked from my credit report or the reporting agencies provide physical documentation along with their Method Of Verification into these accounts. Who verified these accounts, when and how did they verify these accounts, At what time, hour and day/ date did they verify these accounts. Inwhom did they communicate with and what methods of communication was used. And if this can not be met in a timely fashion then these accounts shall be deleted immediately. 1. XXXX XXXX XXXX {$1000.00} ... ... ( 2 ) XXXX {$920.00} ... .. ( 3 ) XXXX XXXX XXXX {$390.00} ... .. ( 4 ) XXXX XXXX {$130.00}
Product: Credit reporting or other personal consumer reports

According to the FCRA section 605B it is illegal to report anything on my credit file and reports without my permission. I have never given my written, verbal, implied, or expressed permission to publish anything on my credit profile.

Furthermore, The bureaus have not removed the misspellings of my names. 

My only Name : XXXX XXXX My only Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX My only Social Security Number : XXXX That is the only legal/lawful spelling of my name and the correct address I have ever lived at. The bureaus have failed to update my information and delete the incorrect information which is a direct violation 15 U.S. Code 1679c - Disclosures.

Further Violations by the bureaus - 15 U.S. Code 1681i - Procedure in case of disputed accuracy, as they fail to correct this information and reflect it now for over a year.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX 2015 I called XXXX XXXX and gave them my information. And they told me that I was eligible for debt forgiveness of my debt being completely forgiven. But afterwards I found out that they just switch my laundry to something else and told me that I was accepted for forgiveness but I did not get it afterwards. My loan was n't reduced or forgiven and now I pay a higher interest rate. And the put me in forbearance without my knowledge.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> I've sent my most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of XXXX to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done