23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

review the following accounts that appear on my credit report, without any authorization, do not belong to me Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/XXXX  Account Number : XXXX This is not mine.

3. Identity Theft M & T BANK Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX. 
Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BELOW ACCOUNT DOESN'T BELONG TO ME, I HAVE CONTACTED THEM MANY TIMES AND THEY HAVE NOT REMOVED IT FROM MY CREDIT REPORT. I DON'T KNOW WHERE THIS COMPNAY CAME FROM, OR WHO THEY ARE XXXX  Opened XX/XX/16 Balance {$630.00} Account # XXXX
Product: Credit reporting or other personal consumer reports

Experian is being extremely difficult in responding and updating my disputed items and I submitted the dispute XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, Equifax allowed personal information to be released without consent placing me at risk for identity theft.
Product: Debt collection

Dear CFPB Staff, My name is XXXX XXXX. I am the owner of XXXX XXXX XXXX XXXX XXXX. 

We are writing you concerning the theft of our funds by SunTrust Bank and their wrongful damage towards our business credit score and my personal credit score. 

We have a SunTrust Bank Account. In XXXX of this year XXXX made multiple charges on our account which we did not authorize. This brought our account to almost - {$500.00}. 

We disputed these charges with SunTrust. 

SunTrust stated clearly to us that once the disputes were resolved the overdraft fees would be reimbursed to us as well. We were told this by three different SunTrust employees in their call centers. 

The disputes were finally resolved and ruled in our favor XX/XX/XXXX. We were informed of this today when we again called SunTrust 's support number and requested their Claims Department to inquire the status of the dispute. The representative at SunTrust 's Claim 's department even told us all the fees and been reversed, as that is standard protocol not on just for SunTrust but for all banking institutions.

I then requested the Claims Department representative transfer me back to the main Customer Service department so that I may stop receiving paper statements. She agreed and put me on hold. After some time instead of speaking to the Customer Service Department the same Claims Department representative picked up and informed me that SunTrust had not reversed the fraudulent overdraft fees as they were suppose to, closed our account without even reaching out to us, kept our remaining Positive Balance, and sold a fraudulent debt to a collections agency damaging both our business credit and my personal credit in the process! 


We at XXXX XXXX XXXX XXXX XXXX XXXX would have soon been eligible for loans to further our business. SunTrust has ruined our ability to do so. 

I am looking for a house for my daughter and myself. SunTrust has crippled my personal credit score as well.

Along with stealing our funds and closing our business account!

In addition to this we had been pre-approved for their Business Credit Card and had been told at their local branch where we had begun the application process that we would receive it after our dispute was finally processed!
Product: Debt collection

Cavalry Portfolio Services ( CPS ) is violating the Fair Debt Collection Practices Act is by unlawfully re-aging the origination date of debt from 2012.
Product: Credit reporting or other personal consumer reports

XXXX XXXX does not have my consent to furnish to my credit report under the fair credit reporting act
Product: Debt collection

Deceptive practices, false and misleading representations in accordance of title 15 ( TILA ) and fraud for furnishing my private information to a third party in accordance to the privacy act of 1974. The amount that Im being held principal for is {$57000.00} with the monthly installments of {$830.00} ... .. The actions Ive taken so far were sending in a consumer enforcement action letter to inform them of the violations that were made. CREDIT ACCEPTANCE was informed the day of XX/XX/2020 when signed and received by one of the representatives! I also received a call from one the representatives on the day of XX/XX/2020 by the name of XXXX XXXX that works in the compliance department she asked me what did I want them to do in regards to the enforcement letter they received and my response was to be recompensed for the damages that has taken place against my natural person and for the account to be discharged in accordance to HOUSE JOINT RESOLUTION 192 ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX opened a unauthorized credit card in my name with XXXX after saying they needed to run a credit report ) There are 2 charges totaling {$6600.00} I've made over 20 attempts of contacting them.They initially said they could not find me in their system after giving them my SS # they confirmed the 2 charges and transferred me to the fraud dept upon  connecting with them i was told they could not find me in their system with my SS # once again and this scenario has been repeated by them every day since.I have the receipts for the 2 transactions totaling the {$6600.00} thru the culprit company XXXX XXXX which obviously works in conjunction with this company XXXX. I have not received the card nor statement from them i the mail to date.I have since learned they opened another credit card with another company XXXX XXXX XXXX Comenity Capital Bank with the same 2 charges so that grand total is {$13000.00} The later company has been working with me and froze the account. XXXX has been contacted several times fron the XXXX today was the first i heard back from them saying there going to do there own investigations before clearing the matter of the full $ XXXX will appreciate anything you can do to help in this Matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently been violated by Equifax. They have broken numerous federal laws when pertaining to my consumer file. It is being irresponsibly tampered with breaking laws 15USC1681. There are accounts that have NOT been thoroughly investigated. I have tried to remedy the situation since last week but to no avail Equifax is grossly dismissing any attempt to remedy. Under 15USC1681 they have also not respected my right to privacy being that they assumed their role without my consent and are not exercising their grave responsibility upon assuming the role that they took.
Product: Vehicle loan or lease

I have had a loan with XXXX1st Associates over 4 years, and I have had issues since the beginning. I have paid my loan on time every month, and I have done so without autodraft. On XX/XX/XXXX, I submitted my payment 3 weeks early, and I noticed that another payment was drafted from my bank account on XX/XX/2020. I called on XX/XX/XXXX, and I was told that I had signed up for autodraft and that my payments would be taken on the XXXX of each month. I told the representative that I had never signed up for that, and, even if I had, I had already paid the payment for XX/XX/XXXX weeks early and they took another payment on the XXXX. I requested that the payment be reversed and returned, and I was told it would take up to 2 weeks. Still have received nothing, and I have contacted this company several times since. No reply. Last year, I sent in a total of 5 payments and asked that they be applied for the next 5 payments. I was told that was fine, then received a bill for the next month. When I called, they told me that they did not apply them the way I requested, and I was just out of luck. This has been the norm for them. I have emailed them and told them not to autodraft anything from my account. I am sure they will try, and when my bank refuses per my instructions, they will try to charge an returned check fee. I am paid ahead by 6 months, but they still try to take more. I can not even get a copy of my payment history and it is not available on their website. I have asked for that several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Dept of Ed/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX reported to Experian that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.
Product: Money transfer, virtual currency, or money service

Had a yardsale, used CashApp to receive money for goods sold at said yardsale. Someone sent me {$70.00}. Before I could transfer money to my bank account, somehow, the money got refunded to person, not by me, and the person got half of my yardsale items for free. I tried contacting the person and requesting the amount again, twice, and no response. CashApp refuses to help.
Product: Credit card or prepaid card

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2020 with a balance of {$7100.00}.
Product: Debt collection

I XXXX XXXX THIS IS NOT MY DEBT BUT ITS ON MY CREDIT REPORT AND I NEED IT TO BE INVESTIGATED AND DELETED OFF MY CREDIT REPORT. I DOINT KNOW WHO DID IT BUT IT SURE WASNT ME AND I NEVER EVER HAD XXXX XXXX SERVICES AND NEVER EVER LET ANYONE DO THIS WITH MY INFORMATION. SOMEONE EVEN HAD LIGHTS ON IN MY NAME AND I DISPUTED THAT AND IT WAS REMOVED BUT THIS STILL REMAIN ON MY ACCOUNT.
Product: Debt collection

I received a debt collection notice in the mail today fro m Tate & Kirlin, Associates, Inc. The  notice says I owe {$130.00} to  XXXX   XXXX . I have no idea what TRS Limited is nor I owe a single penny to them. I tried to call them at the number listed on the notice but have not had any luck getting in touch with a live person. I strongly believe this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need clarification as to why you are reporting certain information on my credit report. Please review the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are both charge off the status and balance of these accounts are 100 % inaccurate if any debt was written off the balance should read {$0.00}. 7 CFR 1782.3 Charge-off. Write off of a debt and termination of servicing activity without the release of liability. A charge off is a decision by the Agency to remove debt from Agency receivables, however, future payments may be received. If you Can not Verify this account is reporting 100 % Accurate and Without Error, Immediately Delete This Account from my credit file.Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. Violation of fcra 623 ( a ) ( 7 )
Product: Debt collection

I only found out I had a collections account when I recently checked my credit report. I sent the collections agency three letters sent with return receipts. All letters were delivered and signed for but ignored by the agency. I filed a dispute with all credit bureaus. As a last resort I made a phone call to this business and the representative had no intention of either explaining this debt, or trying to resolve it outside of pressuring me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian violated my consumer rights pursuant to federal law and georgia state law for Defamation Of Character. I have tried reaching out, calling, and still no response. They still have yet to Remove All unverified and unauthirized information.
Product: Credit card or prepaid card

Wells Fargo is still doing deceptive banking in 2018 On XX/XX/XXXX 2018 I applied for a Wells Fargo credit card. I was approved and 5 days later ( before ) I even activated the card they WITHOUT AUTHORIZATION did a balance transfer to that card and charged me a fee of {$180.00}. I never authorized this I only applied for a new credit card at their bank. Within the cc application they asked two questions which had to be answered to move the application forward : What is your interest in applying for a Wells Fargo Card : I said, I might be interested in a balance transfer What account would you do the balance transfer for : I tried to leave it blank but the application would not go through. I tried to use a catch all phrase like a " a XXXX XXXX account ''. Again the application would not go forward. You had to give Wells Fargo an Account number for the application. Three days later they did a banking transaction to the account number forced in my application without my permission. Then they charged me a fee of {$180.00} dollars to do it. Wells Fargo is still doing their deceptive banking tactics!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and JPMCB Card, XXXX XXXX XXXX, and XXXX XXXX  XXXX. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account.
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 : Inquiries XXXX XXXX XXXXXX/XX/year> 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written Instructions!
Product: Credit reporting, credit repair services, or other personal consumer reports

Spelling in my name and address that are incorrect.
Product: Payday loan, title loan, or personal loan

I see a massive balance of $ XXXX on my credit report from the lender Net Credit. I have tried to file a dispute last year, and again this year but XXXX will not assist to the extent Id like. I have not received any contact from this lender or any related to this debt in years and it keeps increasing. It is at the point where I will never be able to even come close to paying this debt without even understanding how the balance could become that outstanding with no notice or communication. Upon searching for more information on this lender it does not appear they are authorized in the state I reside and I am questioning the legalities and legitimacy of this business. As I age, I am even more disgusted with companies that can operate this way and prey on poor people who do not understand when they are dealing with an illegitimate business. I have seen cases of my state filing against them several times and somehow they are still able to get away with stating I owe an astronomical amount when I do not.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am writing to dispute the information on my credit report related to the following accounts : XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX, and XXXX  XXXX Date Opened : XXXX XXXX, XXXX. The late reporting on these accounts is inaccurate as they have been deferred due to my continued enrollment in school. Furthermore, there appears to be a major error in reporting XXXX days late without first posting 30 days late. I request that you verify all information for accuracy, including the completeness of name spelling and address of record. Additionally, I request the removal of late dates and an update to the negative status of these accounts. I must bring to your attention that XXXX has already removed the late dates and updated the negative status of these accounts from their records, acknowledging the error present. Additionally, I dispute the following account : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}. XXXX and XXXX have already removed the late dates and updated the negative status of this account from their records. Similar to the accounts mentioned earlier, there was an error present, and they were able to find it. I am perplexed as to why your bureau has not complied with the law and continues to ignore my requests. I insist that you remove the late dates and update the negative status of the XXXX XXXX XXXXS account from my file. This information is inaccurate, erroneous, incomplete, or unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Has failed to report payment history correctly on the vehicle loan that was actively open during the time period XXXX Thru XXXX. Payments where not reported correctly starting XX/XX/XXXX Thru XXXX of XXXX. There was no payment information report to all three credit reporting agencies. There was a covid-19 impact reporting freeze place on my account that I did not authorize and done with out my permission. Also There was a late payment on XX/XX/XXXX. That was incorrectly reported the payment was not late. Please update this information immediately and correctly to all three credit reporting agencies. for all months that wasn't reported immediately.
Product: Credit card

Here is a summary of what has transpired to date : On XXXX, I was alerted to a hold/freeze on my bank account and credit cards. After visiting a branch, I verified with an employee that the personal information like my home address and phone number which has not changed since opening the accounts was still correct. They took off the freeze on my bank account but told me the credit cards would remain closed. 
On XX/XX/XXXX, I looked at my online account to see that I was assessed a late fee and interest due to a non payment even though the account was set up on autopay. I contacted Bank of America to discuss the concerns and a manager was unable to assist with waiving the fees. I proceeded to file a XXXX case regarding the matter. 
On XX/XX/XXXX, the last day where the XXXX complaint response deadline is required the company sent a response indicating that the account was closed due to a lack of response to provide the missing or incomplete information requested and would not reverse the late/interest charges to the cards. They also advised that they sent an email notification on XXXX the same day I initially dealt with this to tell me that my auto pay was turned off. 

I don't have a problem that the bank decided to close my credit card because it is within their rights. My concern is that what transpired afterwards was unfair and would be unfair to any other consumer experiencing this. To turn off an auto pay on a credit card that was always set up as such with only XXXX email notification even though the bank account was still open is not right. Furthermore, saying missing/incomplete info as the reason for closure when personal information like home address and home phone was always present on the account does not sound accurate. As a long time customer with the company I am shocked and disheartened that they would take this stance and then show no empathy while also continuing to charge fees and let the card account now negatively impact my credit. Put a hold on the card but do not close it until you get the confirmation you receive. It would be the same as what happened on the banking accounts.