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

OnXX/XX/XXXX, I opened a Money Market account at SunTrust Bank - Tradition office for the express purpose of receiving my life savings to the account. The account was created just for this purpose as directed by XXXX XXXX, the Branch Manager. OnXX/XX/XXXX, I had my life savings of {$270000.00} wired to my SunTrust Money Market Account. On XX/XX/XXXX, SunTrust put a hold on the domestic wire and then closed all my accounts onXX/XX/XXXXwithout explanation. Closing Checks were printed for my accounts with the exception of the {$270000.00} which SunTrust has kept from me. I have tried contacting SunTrust on seven different occasions and get different stories. Today, XX/XX/XXXX I was told that my funds are being held and no further information is available for release to myself. My funds have been stolen by SunTrust - and I want my money returned to me by XXXX this Friday, XX/XX/XXXX ; before I go to the media live at XXXX to tell my story and warn others away from SunTrust. SunTrust does not return calls/communications, not even XXXX XXXX herself. I just want my life savings that have been unjustly and illegally stolen by SunTrust! The domestic wire was from the law firm handling my needs and taxes have already been paid on it all as the funds were accrued over the years of owning XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried unsuccessfully for the past several months to have two accounts removed from my credit report that have surpassed the 7-year reporting period of negative items. One is XXXX XXXX, which first because delinquent in XX/XX/XXXX, the other is XXXX XXXX, which first became delinquent in XXXX, and XXXX Mortgage. The current reports ( XXXX ) issued by the bureaus don't show the year XXXX in which the account first became delinquent, thereby extended the period the account can be listed. I have contacted the creditor and the credit bureaus ( Trans Union, XXXX, and XXXX ). 
The Federal Credit Report Act [ 15 U.S.C.1681C ] Requirements Relating to Information Contained in Consumer Reports : Running of Reporting Period : The 7 year period shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, which is earlier ), charged to profit and loss, or subject to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
If I have misinterpreted this statue, please advise.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX I submitted a request for removal of an old installment account that is over XXXX XXXX XXXX in the amount of XXXX thru Equifax. Each time the account has nut been probably investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mail Lexis Nexis a certified letter on XX/XX/2018 and it has been 30 days and no respond for the information that I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent dated XX/XX/2021. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and the inaccuracies about my accounts are continuously reported on my Equifax Credit Report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$67.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX and Equifax unlawfully took adverse action against me by reporting unfair inaccurate reporting. XXXX added a {$1.00} charge to a closed charge off account this is a violation 15USC 1681m. I disputed the validity of the account and XXXX charged a closed account XXXX dollar which played a part in my score dropping over XXXX points on EQUIFAX. XXXX FAILED TO NOTIFY ME PERSONALLY IN WRITING ORAL OR ELECTRONICALLY THEY HAVE ONLY MADE CONTACT WITH THE CREDIT REPORTING AGENCIES. I demand to know in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Failing to provide details within 30 days is another violation of my consumer rights under the FCRA. If you could not provide such information DELETE this inaccurate unfair reporting.
Product: Credit card or prepaid card

I placed an online order and the merchant provided the wrong item, I tried contacting them but they are not responsive. I field a dispute with my bank but my Bank is now failing to resolve the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. Additionally, Equifax has not responded within the 30-days per FCRA. 

ACCOUNTS XXXX XXXXXXXX XXXX XXXX never late XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.0XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$8800.00} XXXX XXXX Balance : {$140.00XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/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 an 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

In XXXX and XXXX of 2022, I filed a dispute with Transunion, XXXX and XXXX Credit reporting agencies about the unverified account XXXX. In these months I have not received a notice in over 45 days and I have tried multiple attempts for verification of these unverified account with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate missed payments
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, My name is XXXX XXXX, and I am reaching out regarding a significant credit issue that I have been unable to resolve despite extensive efforts. This situation has negatively impacted my financial standing and livelihood, and I urgently need assistance. 



I have made consistent on-time mortgage payments for over 10 years through my banks bill pay system. Unfortunately, due to changes in mortgage servicing companies and billing systems, my payments have not been properly credited, resulting in incorrect late payment reports on my credit file. Below is a summary of the issue : XXXX. Consistent Payments : I have always made my payments on time via online bill pay. 

XXXX. Mortgage XXXX Transfers : Over the years, my mortgage has been sold and transferred between multiple servicers. Payments were sent to the previous servicer, and then forwarded to the current servicer, causing delays. 

XXXX. XXXX XXXX XXXXXXXX : My bank, XXXX XXXX, informed me they recently updated their bill pay system, which may have compounded the issue. 

XXXX. Documentation Submitted : I have provided a complete XXXX XXXX to Chase Mortgage, including proof of payment and correspondence detailing the issue. Despite this, the problem persists. 

XXXX Credit Damage : My XXXX XXXX, previously in the upper XXXX to low XXXX, has plummeted to the XXXX, significantly impacting my ability to conduct business and secure financial resources. 



I am a licensed XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX My professional reputation and ability to sustain my livelihood depend on my creditworthiness, and this erroneous reporting has caused undue hardship. I have contacted the Federal Trade Commission, XXXX, XXXX, and XXXX, but I have not received a resolution. Additionally, I have spoken with multiple representatives at Chase Mortgage, but no corrective action has been taken. 



I am respectfully requesting immediate intervention to : Investigate this matter thoroughly. 

Correct any inaccuracies on my credit report. 

Ensure my payment history reflects my consistent, on-time payments. 



Please let me know if additional documentation or information is required to resolve this matter. I am prepared to provide any necessary details promptly. 



Thank you for your time and assistance. This issue is deeply affecting my financial stability and professional obligations, and I hope for a swift resolution. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have reviewed a copy of my consumer report recently and noticed there are several debt collection agencies reporting a debt that they have not validated and are reporting without my written or oral permission. There is not contract nor agreement between myself and these companies. Their unfair reporting practices have caused me significant damage recently. These errors and unlawful practices need to be corrected and all misleading and unlawful information on my report needs to be removed immediately per federal laws ( Fair Debt Collection Practice Act ) : 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

15 USC 1692f ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

15 USC 1692g ( a ) I received no notifications via mail about the validity of this debt 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

If the company in question can not provide an original, " wet-ink '' signed contract or agreement between me, XXXX XXXX XXXX the consumer, and their company named as Creditor, the debt is invalid and therefor unlawfully permitted to be collected upon and most certainly can not be furnished on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I reviewed all 3 credit reports and noticed that the late fees for XXXX XXXX ( XXXX and XXXX XXXX XXXX XXXX ) and XXXX XXXX Auto Finance are still not reporting accurately. I've previously mailed letters, sent emails, and have made calls only to be advised that they are unable to update payment history and that I will need to contact the credit bureaus. The credit bureaus directs me back to the creditors. I am in the process of closing on my new home and the payment history/late fees are reflecting poorly.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 


XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$13000.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/XXXX I called CBE Group which is a collection agency for Charter Communications or Spectrum and requested to speak with a supervisor. I was placed on the phone with supervisor XXXX XXXX. I explained to her that I didn't realize a payment was due because I moved. She confirmed once I paid she would send in a letter of withdrawal to the credit bureaus and it would be removed once they received the letter. She explained that they don't do pay for deletion, but since I was unaware a balance was due because I switched residents, she would make an exception and send in a withdrawal letter which would wipe it off my credit completely. I paid the amount and she reassured me I had nothing to worry about. 

I called back XX/XX/XXXX and spoke to a team lead by the name of XXXX XXXX. He explained that the information she gave me was wrong and the most they would do is a letter of satisfaction. I explained to him that XXXX XXXX defrauded me out of a payment and to check the audio recording. He was reluctant to do so. I told him that I would be filing a lawsuit and his attitude was very dismissive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} CHARGE-OFF {$4500.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XX/XX/XXXX {$470.00} CHARGE-OFF {$1000.00} XXXX XXXX XX/XX/XXXX {$77000.00} XX/XX/XXXX {$77000.00} CHARGE-OFF These should be removed, I've disputed this the 1st time they appeared on my report Equifax, keeps sending to there overseas office. ive sent police reports as well as FTC.GOV this is affecting my job. Ive have been hung up on and treated very bad with. this matter. Ive even better ask questions about my name being XXXX XXXX XXXX.
Product: Student loan

Harassing phone calls. Received phone call before XXXX on Saturday XX/XX/2017. Phone call received was at XXXX. Received phone call after payment arrangements were set up online on Friday, XX/XX/2017.
Product: Debt collection

My name XXXX XXXX, from XXXX XXXX. I want to make complaint about collection agency 1.Machol Jacques law offices out XXXX XXXX , XXXX XXXX out of XXXX. XXXX farmed my account to XXXX XXXX XXXX with garnished my wages amount of XXXX. We are selling my home, the title company says the debt is still unpaid. XXXX garnished my checking account too. I have pay stub showing agarnishment. I need letter from one or letter debt paid stat. Last ss # XXXX account # XXXX never forwarded the money Machol in XXXX. My home phone is XXXX. Need that letter.. thank you XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX  Buick Regal that was financed through GM Financial. 
The following week, my dealership filed Chapter XXXX Bankruptcy ; hence this caused a delay to obtain the title to register my car. 
I began to speak to GM headquarters starting on XX/XX/XXXX ( XXXX XXXX ext. XXXX ), GM Headquarters said they couldnt assist because the dealership was locally owned and operated. 
XX/XX/XXXX I called GM Financial to check the status of my loan. I was told the funding manager would not fund the loan until the title was transferred and the taxes were paid. 
My loan included the taxes and all dealership funds were tied up in the bankruptcy, so the dealership was unable to pay the taxes. 
I personally never seen the title work but confirmed with my dealership they had it as of XX/XX/XXXX. 
When I began to work with the Missouri Attorney Generals office, I was put in touch with the dealerships floor financer ( XX/XX/XXXX ). 
XXXX was willing to pay the taxes and any warranties, to close my deal. 
On XX/XX/XXXX, I called GM Financial Funding dept. I spoke to XXXX and found that GM Financial returned my loan papers back to the dealership on XX/XX/XXXX and my loan was never completed in their system. 
On XX/XX/XXXX, ( I spoke to XXXX a funding manager ) I requested a letter for my records from GM financial to state the status of my loan and to be grandfathered into a new loan with another dealership and was told they would not send the letter and they would not be able to help with a new loan that it is handled by dealerships only. ( He referred me to XXXX XXXX XXXX ) Both XXXX and myself left separate messages for XXXX XXXX at GM Financial and I was not provided a call back. 
My complaint is that I was discriminated by GM Financial for my dealership filing bankruptcy. I have an almost perfect credit score and should not have any issues with obtaining a loan. I didnt file chapter XXXX bankruptcy so why was I denied the loan without notice. 
On XX/XX/XXXX, the dealership closed their doors as ordered by the Bankruptcy court according the Attorney Generals office.

The loan was originally for 0 % interest with a 72 month term. 
I was denied a discount for purchasing a new GM/Buick automobile for my troubles ( per the GM Headquarters speaking on behalf of the GM rep that covered my dealerships division ). 
GM Financial caused additional ciaos by not funding my loan since my taxes were rolled into the loan.
Product: Credit reporting

XXXX was previously deleted from the 3 credit bureaus and reinserted without any notification.
Product: Student loan

I have been attempting to work with Navient to obtain a reasonable repayment plan for my student loans. Currently I am under medical/physician care  and have effectively been placed on XXXX   XXXX. In essence, I have not been released to seek either part-time or full-time employment ( see attached physician letter ). Therefore, I have limited financial resources to pay my debt obligation. I have consistently contacted ( mostly by phone ) Navient to request relief and/or to make payments under the current arrangement. The dates for my most recent phone calls to Navient include, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. Said payment arrangement requires a monthly payment of {$170.00}, which I am unable to manage. When I have called Navient to inquire about alternative options the representatives have literally either told me to liquidate my 401K and pay them {$30000.00} to settle the account or that regardless of my medical situation that the loan has to be repaid. I have essentially experienced extremely rude and uncooperative behavior from the representatives. When I have requested assistance from a manager, the manager only recommended that I seek financing elsewhere to satisfy the debt. Again, due to my medical condition this is not a viable option.
Product: Credit card or prepaid card

My wife and I signed up for a chase sapphire card. I purchased a {$3000.00} mountain bike with no problem, I then called the bank with some questions. Afterwards I attempted to purchase a {$1.00} hot dog at a gas station and the card was declined. Shortly after, the bank fraud department contacted my wife and were very aggressive. They stated that since I had a  XXXX  name, and she had an American name, they thought that I was a fraud, even though we had another credit card with them for over a year. They were claiming that they were protecting the bank and the customer against unauthorized purchases. I complained several times for months and my complain fell on deaf ears. Just a couple of days ago I went into the bank to close my account and the teller filed a new complain, but the complain seemed to be registered as coming from my wife and not myself and suddenly she get a call from the bank stating that they are investigating. So I, a  XXXX  male complains for months and no one cares and then a complain is resisted as coming from a white female and they quickly make a call stating that they are investigating. Also, if they were protecting the bank and the card holder against fraud like they claim, why not decline my $  XXXX  purchase rather than a {$1.00} hot dog? They broke the law as they declined me credit based on my nationality and national origin. Denying me credit that I 'm entitled to based on my national origin is unlawful and I will sue this bank in small claims court.
Product: Credit reporting or other personal consumer reports

After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. I sent my first letter in XX/XX/year>XXXX  and 3 additional letters after in regards to not only this issue but many more that is stated in the attached letter. 


I have requested proof of these accounts with no response