23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT COLL/USA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLL/USA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been the victim of identity theft, which has resulted in fraudulent accounts being opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that all the accounts and inquiries listed below be blocked from my credit report and deleted entirely. 
The fraudulent accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please block and remove the following inquiry from my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card

I had a credit card with a {$99.00} annual fee. Wanting to avoid paying this fee, I cancelled the card after noticing the charge, but I paid the full balance, including the fee, before closing the account. In the past, I was refunded the prorated portion of the annual fee after cancelling, but this time I did not receive a refund. I called and spoke with a representative who informed me that I am not eligible for a refund, even though I cancelled the card on the anniversary date and have not received any services for the annual fee. This information contradicts my previous understanding of how annual fee refunds work for credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to get this known fraudulent account off my credit report and the company knowingly and fraudulently is trying to collect a debt that is not mine by repeatedly having its contracted third parties to report this debt inspite of the filed FTC identity theft report and the fact that I was not living at this account in XXXX our divorce was filed in XXXX and I was gone 6 months prior. I have attached proof of the third fraud packet filled out for XXXX. The following companies have this listed with very different amounts and dates which means there is inaccuracies. 

XXXX Account # XXXX for {$610.00} on my report that they just reported again XX/XX/XXXX and responded to you XX/XX/XXXX that the amount was {$570.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This person Is reporting late payments to XXXX, XXXX, and Transuion without the consumer consent. This company also have broken a law. 15 U.S. Code 1666b I have never received a letter 21 days before due date. I only recieved mail telling me that I am in danger of repossession. Which violates law 15 U.S. code 1692j - furnishing certain deceptive formsPlease remove all late payments account - XXXX XXXX account number - XXXX
Product: Bank account or service

RE : SunTrust Bank, XXXX, VA XXXX 1. My company received a check from a new customer in the amount of {$1800.00} for the purchase of product. The check was written on SunTrust Bank. 

2. Based on new customer status, I hand delivered the check to SunTrust Bank and requested verification of funds availability. 

3. A SunTrust manager at that location certified that funds were available in the new customer 's account. 

4. Based on funds availability, I requested that the check be cashed, then used the funds to open a new SunTrust corporate account. 

5. The very next day, I returned to the same SunTrust Bank branch to request a cashier 's check to be issued from my newly opened corporate account. 

6. The teller advised me that the funds from the previous day were clear and available. 

7. Based on this information, I requested a cashier 's check to be written, payable to the manufacturer of product for my new customer. 

8. Approximately two weeks later, I received an overdraft notice in the amount of {$1800.00}. 

9. I returned to SunTrust Bank and spoke to the branch manager, who stated that SunTrust apparently had made an error and that the problem would be corrected, however ; 10. SunTrust is now refusing to make any correction and insists that I repay SunTrust for the bounced check. 

11. I contacted the customer whom I had received the check from, advised him of the situation, and asked to be reimbursed. 

12. Eventually, he gave me a partial payment of {$1200.00} cash, which I took to the same SunTrust branch and deposited into my corporate account to cover the overdraft. 

13. Approximately one week later, I returned to the same SunTrust branch to pay the remaining balance due on the account. 

14. The teller advised me that there was no record of the {$1200.00} cash deposit I had made the week before. 

15. I contacted SunTrust Customer Support and asked if the branch 's video could be reviewed by SunTrust authorities to verify 1 ) my presence at the bank that day and 2 ) the cash deposit that was made. 

16. The SunTrust representative told me that SunTrust Bank does not do that sort of thing. 

17. No further assistance has been given. 

18. Suntrust Bank has mishandled every transaction I 've encountered with them since opening my corporate account. In addition, during one of my visits, they provided me with someone else 's account information. 

Fairness is not the issue here. SunTrust has mishandled my account and stolen my money. I demand it be returned to me immediately. That is the only right and just resolution.
Product: Student loan

I am on the XXXX plan and was forced into forbearance. My interest rate is 0 %, but it shows that I have accrued XXXX XXXX XXXX XXXX in interest. The amount should be {$0.00}. Please correct asap, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this afidavit again. This is my SECOND TIME sending this affidavit. I am a victim of IDENTITY THEFT. I should not be suffering with my credit because THESE companies allow people to open up accounts that i have no knowledge or gave any consent for anyone to do. This is my last attempt to reach out to the credit bureaus becuase my next step will be the attorney generals office. Please remove these fraudulent accounts an stop further victimizing me by inaccurately reporting these accounts on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored about my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you causing me. My information was also impacted by the Equifax breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

Good day, my Client Id : XXXX & XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX. I was to receive {$1700.00} from CELSIUS NETWORKS, LLC, I receive a email from XXXXcelsiusXXXX to withdraw funds and I did as instructed only to receive an error message, no funds were withdrawn. I replied to CELSIUS NETWORKS, LLC email and it returned undeliverable and I reached out to the helpdesk as stated in the email and it was an invalid link. The email ( see attached ) also states the withdrawal is only valid 24hours, but CELSIUS NETWORKS, LLC is not able to be contacted in case any issue with withdrawing funds. This is not right that CELSIUS NETWORKS, LLC does not give the customer a chance to withdraw funds or contact them in event of error. So CELSIUS NETWORKS, LLC is holding {$1700.00} funds. How can I get my funds withdrawn? Please help.
Product: Credit reporting or other personal consumer reports

Please verify these inquiries, as I do not recognize them and wish to remove them from my credit report : Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXXInquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I have a CHASE auto loan for my XXXX XXXX XXXX. I purchased my car in XX/XX/XXXX. In XX/XX/XXXX, I requested CHASE put ONE payment on the back of my loan, as I had fallen behind due to illness. Fast forward several years later ... in XX/XX/XXXX I found out for every month I hadn't paid " a fee '' for CHASE extending my one pymt.to the end of the loan, I was being charged a " Late Fee. Now this had accumulated over the years to the point where they now claim I'm " BEHIND '' on my regular monthly payments however, I've NEVER again been LATE!!! The late fees total over {$800.00}!!!! I have no issue with pay one the ONE TIME FEE for extending my loan, but this has become ridiculous and EXCESSIVE!! 
I called CHASE auto finance and got no where. I also went into my local CHASE branch, as I also bank with CHASE. A Customer Care Rep. Called CHASE auto finance on my behalf. They did nothing, and never called me back after researching the problem as they had promised. I am almost done paying off my car but these fees need to be reversed NOW! Thank you for your attention in this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts they are hurting my ability to obtain credit.
Product: Student loan

Ed financial has been harassing me for years about a parent plus loan. I'm embarrassed to admit that although I knew I didn't take out a loan I let them XXXX me into believing I did. I finally verified it isn't my loan. They accidentally sent me a copy showing someone else was the endorser ( took out the loan ) a phone call to Ed financial confirmed this isn't my loan. Said they'd send some form to get my info off of it. Never did. Subsequent follow ups ignored. If I hadn't seen that last detailed application I would have believed I forgot and it was my loan and would have worked out paying it. I can't afford it and it's been a huge stress. How could this have happened that I was targeted to pay for this loan I have nothing to do with? My XXXX  father in law was also contacted and didn't understand and made some payments. I'm livid
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and hope all is well. XXXX XXXX  continues to unfamiliar information on the credit reports. Made several attempts to request verification, however ; the company failed to comply to FCRA guidelines.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX  Account Number XXXX has violated my rights. 
LOAN AMOUNT {$49000.00} Date Opened : XX/XX/2022 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was properly investigated, but how is that possible if the open date is inaccurate. The date last is inaccurate and date reported is not accurate. This is ground for removal. They also have violated my rights under 15 U.S.C. 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Reporting Agency continues to report that I have 2 late payments on my credit report. All of my open and closed accounts on my credit report do Not have any late payments. In addition, I 've applied for recent credit thru XXXX XXXX XXXX thru XXXX, and one of the reasons I 'm denied is I " pay few accounts currently as agreed ". Again, every account on my credit report is up to date. XXXX is reporting fraudulent information to possible creditors. Transunion is doing the same thing. I 'm being denied credit due to paying few accounts currently as agreed is what Transunion sends to my creditors.
Product: Bank account or service

I recently called Bank Of America for a dispute I had, because I had {$300.00} taken out of my account through an atm. That was after I realized they stole my whole wallet from my jobs XXXX party. First, they do the claim over the phone, and ask you a series of the dumbest questions I ever heard! After, like 20 min on hold and 45 min trying to explain what happened, I get no temporary credit or anything. I told them that 's was all my money and for holidays. So I had to wait 10 whole days for them to send me a message saying the claim will not be paid, because the transactions were dispensed and just. I know they were dispensed, but not to me. I am do upset with this bank and how they play you from every angle. Plz help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. I am concerned that these items are having a negative impact on my credit score, and I would like to request that they be removed or corrected. 

Firstly, there is an inquiry listed from XXXX XXXX that I did not authorize. The date of the inquiry is listed as XX/XX/XXXX. I have no recollection of authorizing this credit pull, and I request that it be removed from my credit report immediately. 

Secondly, there is an account listed with XXXX XXXX. The account number is XXXX. I am concerned that the payment status, balance, comments, payment history, and account number may be incorrect. I request that you verify this information and correct any errors that may be present. Alternatively, please remove this account from my credit report completely. 

Lastly, there is an account listed with XXXX XXXX XXXX XXXX. The account number is XXXX. Again, I am concerned that the payment status, balance, comments, payment history, and account number may be incorrect. I request that you verify this information and correct any errors that may be present. Alternatively, please remove this account from my credit report completely. 

I hope that you will take this matter seriously and take the necessary steps to correct or remove these negative items from my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

VEHICLE IS UNRELIABLE. HYDROGEN STATIONS ARE ALWAYS DOWN, AND THE CAR DOES NOT WORK. XXXX XXXX XXXX. PURCHASED XX/XX/XXXX. 
XXXX : XXXX XXXX 's Year and Model : XXXX XXXX COMPANY REFUSES TO REPURCHASE VEHICLE OR ALTER THE LOAN.
Product: Credit reporting or other personal consumer reports

I definitely disagree with the account listed below which still appears on my credit report, definitely after your investigation. The investigation could not have been properly done. I would like this account re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX Account # XXXX 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. Please send me an updated copy of my credit report after your reinvestigation
Product: Mortgage

Are there fees or penalties that accompany a CARES forbearance request? 

The provisions of the act were specifically written to prevent the charging of fees and penalties related to a XXXX forbearance. During forbearance, servicers aren't allowed to charge extra interest beyond what you would have typically paid for your monthly mortgage payments. 

At the end of my covid relief I was forced to modify and resulted in XXXX of capitalized interest added to my mortgage amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on 3 separate attempts to have this account updated CORRECTLY!!!! Equifax continues to report the account as charged off when this account was settled and should report as paid in full. Ive sent them proof of this and it still has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX {$2200.00} XXXX {$1200.00} XXXX {$2400.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, I requested a balance transfer on my Capital One Venture One credit card account. Before doing so, I confirmed with an associate via Capital One chat that the interest rate would be 0 % specifically on the balance transfer for the 12 month promotional period. On XX/XX/XXXX my account was charged {$110.00} in interest charges. After speaking with multiple Capital One representatives, I am being told the promotion was only for purchases and they are refusing to provide a transcript of the chat. Either the promotion changed or this information was miscommunicated and Capital One will not fix the issue. I feel this practice was deceptive and predatory resulting in a high interest rate that I can not afford on the transferred balance. I have previously written in to the general correspondence XXXX XXXX with no response to my complaint.