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

On the XXXX of XXXX, I deposited a check for {$3000.00} to my Suntrust Savings account. The check was from my personal XXXX account. The check cleared and the money was deposited in my Suntrust account, however the very next day my Suntrust accounts were closed by Suntrust and placed into fraud review. I called Suntrust customer support on multiple occasions to address the concerns. On every occasion I was told I couldn't be helped and to wait and see what the fraud review was all about. I went to address this problem in person at my local branch, XXXX XXXX  SunTrust Branch. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, VA, both the customer service representative and the branch manager tried to help obtain more information about the case and I was told they cant help. I provided both the customer service representative and the branch manager, copies of the deposited check, XXXX XXXX statements showing the funds were withdrawn, and Suntrust statements showing the funds were deposited and I was told again, its a fraud case and there is nothing that can be done or that I can do. Its been about 5 months without any clarification or mention of when I will obtain my funds. I've spoken to XXXX and they said if it was fraud, Suntrust would never have deposited the check, and if they were investigating it, that the investigation would not last more than 30 days. The local branch echoed the same information XXXX told me too. 

I am unsure what to do now. The management of this case has been mind boggling and we still have no answer. At this point in time I believe Suntrust has not acted fairly or been clear about the suspected fraud even when provided all the material evidence : deposited check, bank statements and pay stubs from the U.S. Department of State. In addition, I believe this is an act of discrimination that can no longer be tolerated. Suntrust has not only withheld my money, but has also caused significant stress on my financial standings by closing my accounts, freezing my money and demanding payment of credit cards even though the bank has frozen my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a lease car with GM. Paid all 27 months on time and never missed a payment. Returned car in XX/XX/XXXX and received 8 bills ranging from $ XXXX down to $ XXXX and some change from XXXX through XX/XX/XXXX. Finally in XX/XX/XXXX they said I owed {$10000.00} for excessive mileage. I do owe a few XXXX but not that amount. I told them that if this wasn't rectified, I will have to get an attorney involved. I was put on a no call list. Never heard from them either by phone, mail, text or email about my account. I had two people die in XX/XX/XXXX so I was dealing with estates, funerals, etc.. Finally received a bill in XXXX of this year. Called up the end of lease department and no one can help me. Sent them again the paper I received from dealership when I turned the car in with the mileage. The worst thing is that this is affecting my daughters and my credit score. They keeping marking the reports because we didn't pay. I need the markers removed from XX/XX/XXXX to now.
Product: Debt collection

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I C SYSTEM Reported : XXXX. XXXX, XXXX - {$220.00} Needs Attention 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 I C SYSTEM Reported : XXXX. XXXX, XXXX - {$220.00} Needs Attention I have report your company to XXXX As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX GRAND XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : $ {$1400.00} XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX : {$3200.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$49.00}
Product: Credit reporting, credit repair services, 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 account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account 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 account which do not belong to me or was opened without my permission. 
XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXXXXXX XXXX XXXX  Balance : {$0.00} 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

Harley Davidson is reporting a late notation on XX/XX/21 on my credit file. I recently looked at my credit and noticed some this late on my credit file. Due to XXXX and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Harley Davidson report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Harley Davidson please take leniency on my hardship and remove the late as a onetime goodwill adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine in my credit report, i demand for them to be removed immediately. 

XXXX, XXXX, XXXX  Account : XXXX Amount : {$0.00}, XXXX   Account : XXXX Amount : XXXX Experian Account : XXXX Amount XXXX .This account is not mine XXXX XXXX  XXXX, Date XXXX XX/XX/XXXX, Experian Account:XXXX  : Amount XXXX {$1000.00}, XXXX  Account : XXXX Issue : This account is not mine XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX Account # : XXXX, Amount : {$12000.00} Issue : This account is not mine They reported these accounts lates, which I've never been late. i would never be late and ruin my credit, i demand you review this from my credit report. I want to get a mortgage and this is preventing me from getting it. I've tried to contact the companies but they said that they can not help me. This is a unnecessary issue that needs to be resolved immediately. 

XXXX XXXX  Date : XX/XX/XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit. 

XXXX XXXX  Date XXXX Account : XXXX please review lates i was never late. its the bank fault. its ruining my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and ChexSystems have negatively affected my Chex systems consumer report. Chex Systems is reporting an account closed by XXXX XXXX XXXX which is fraud. Chexsystems is fraudulently reporting a XXXX XXXX XXXX to an account closed under my name on XXXX.
Product: Credit card or prepaid card

I purchased a wig as advertised on the website on XX/XX/23. The website stated the wig would ship within 21 business days. On. XX/XX/23 I requested a refund due to the wig not shipping when promised. On XX/XX/23 a shipping label was created. On XX/XX/23 the wig was dropped off at the post office to ship to me after my request for a refund was ignored. On. XX/XX/23 I received a damaged wig. I immediately contacted XXXX XXXX via email and was ignored until XX/XX/23. A return shipping label was emailed to me. I placed the wig in the mail to be returned to XXXX. XXXX has confirmed the wig to be damaged and has confirmed that the wig has been delivered and is refusing to provide a refund. I initially disputed with apple and they closed the dispute advising that the money was refunded. After discovering that the funds were in fact not refunded they reopened the dispute. Forced me to wait 90 days only to close the dispute again saying the merchant did not provide a damaged item. 

I provided them pictures of the damaged item. Proof that the item was returned to the merchant and proof that the merchant received the item and has refused to refund me. Apple/Goldman SACHS allegedly investigated but the merchant has not shown proof that I was provided with a refund after receiving the item back into their possession. 

This experience has been THE WORST experience I have ever had with a bank and once this is resolved I will be closing this account for good. Unfortunately, I do not have {$600.00} to throw away because apple and Goldman Sachs does not want to do their job and due diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

ILLEGAL REPORTING OF INCOME ON MY CREDIT REPORT, no INCOME IS ALLOWED TO BE REPORTED ON A CREDIT REPORT! 

The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or suppose to be a factor within a credit report.

IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 

I have also filed a XXXX on XX/XX/2023 which was accepted by the Irs and XXXX mailed to XXXX XXXX XXXX XXXX and was emailed directly to their XXXX & XXXX with a copy of the XXXX, which I have submitted here. 

Please immediately delete the following accounts immediately from my credit report! 


XXXX XXXX XXXX XXXX  FOR {$890.00}
Product: Credit reporting

After several low quotes for car financing, I decided to research my credit ( XXXX or something like that ) and saw that my information has been merged with that of my father. He is XXXX XXXX XXXX, I am XXXX XXXX XXXX, same current address but obviously different date of birth and SS #. On the website I was able to see this and dispute it with XXXX reporter ( XXXX ) and not the other XXXX ( XXXX and Equifax ) due to failing the initial security questions which all used my father 's banking history. At present I have recieved some confirmation from Experian that negative information has been removed and have yet to make positive contact with XXXX & Equifax. Do I have to do this with every info provider? Will it update the other XXXX once I have done it on XXXX? Young married couple in desperate need of financing. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX
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. 


XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Account On Credit Reports. 

1. XXXX XXXX {$4800.00} 2. XXXX XXXX {$7100.00} 3. XXXX XXXX {$16000.00} 4. XXXX XXXX {$3100.00} 5. XXXX XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent emails to XXXX, XXXX, and Experian on XX/XX/22 and XX/XX/22 asking for the payment history and bank statements on the following accounts to verify there late payments. I am sure I have never been late in making these payments. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My problem is with Macys credit card. 

. On XX/XX/XXXX I discovered fraudulent charges on my Macys Credit Card.

. I called and reported to Macys and identified 13 fraudulent charges which they said they would remove from my card. 

In XXXX I started getting calls from Macys Credit dept so I checked and Macys had remove 12 charges but overlooked one charge. This charge was almost identical to another charge at the same store on a different date that had been removed. 

. After many many calls to Macys they agreed 7 different times to handle the item, but the calls Macys continued. They said the case was under investigation. 

. On XXXX XXXX, XXXX my bank informed me that my credit score had dropped XXXX points upon checking Macys had reported me delinquent on my account. On XX/XX/XXXX XXXX called me and said they resolved the charges and I now have a {$23.00} credit balance. But they could do nothing about my damaged credit score as the case was still under investigation. 

. On XX/XX/XXXX my bank informed me that my XXXX XXXX had dropped another XXXX points. Investigating I found on XX/XX/XXXX XXXX had made a request for a hard credit report resulting in the 9 points reduction.

I did not know or approve this request I was not requesting credit or a loan.

I had a credit amount on my Macys card They owed me money What was their reason for requesting a hard credit report other than harassing me. 

I have a big financial deal working and my finances are very reluctant to continue with a total credit report drop of XXXX points. This is going to result in significant reprucessions to me and my business opportunities. 

In early XXXX I informed Macys that I believed they inadvertently missed one charge.

In many many calls to Macys over the past XXXX  weeks I have only spoken to one person out of about 40 whose native language is XXXX. It is difficult to understand many and I had the feeling many did not understand me. 

. I have had a hard wired telephone in my house and home since I was XXXX XXXX XXXX. Due to the harassing XXXX 's calls to collect a debt I am canceling my phone to avoid the harassment.

I consider myself a hard working professional person with an extremely good credit rating. Now this is all ruined by Macys and their broken systems, flawed procedures and improperly trained personnel. They do not care a bit about the little people in the world. They can not correct their problems or restore my lost credit worthiness that the destroy for no good acceptable reason.
Product: Credit card or prepaid card

I received 2 different XXXX XXXX cards in the mail. When I called American Express to activate one of the cards, the representative confirmed that I would get the bonus points after the {$4000.00} spend. Again, after doing the {$4000.00} spend, I called Amex and once again was told that I would get the bonus points and to wait 8 weeks. After waiting 8 weeks, I called again and was told that I would receive the bonus points and this would be escalated. 

Despite this, American Express is now claiming that it does not matter what American Express told me previously, they are not going to honor what they told me. 
I have escalated to the CEO level XXXX XXXX and still denied.
Product: Credit reporting or other personal consumer reports

Hey I'am trying to discupe this because I've already contacted the collection agency on such date I sent him this letter back staying they can't do it or it's been verified however I need to have this remove because of such and law ok
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXXBalance {$660.00} XXXXBalance {$660.00} XXXXBalance {$550.00} XXXX XXXX XXXXBalance {$1100.00} XXXX XXXX XXXXBalance {$3000.00} XXXX XXXX XXXXXXXX-Balance {$1300.00} XXXX XXXX XXXXXXXXBalance {$220.00} XXXX XXXX XXXXXXXXBalance {$110.00} XXXX-Balance {$180.00} XXXX XXXX XXXXXXXXBalance {$0.00} XXXXBalance {$150.00} XXXXBalance {$6.00} XXXXBalance {$0.00}
Product: Money transfer, virtual currency, or money service

This issue that I am writing the CFPB about concerns a Balance transfer upon opening a revolving line of credit with the financial institution HSBC. 
HSBC supplied checks for the purpose of balance transfers and other purchase options. I filled out a check for a balance transfer on XX/XX/2018. Said check posted to my new HSBC account on XX/XX/XXXX. 
I checked the balance of the account that the check was intended to cover and found that the balance had not yet reflected as paid. I called the institution and inquired as to why my account was not reflecting the XXXX balance as it should and they informed me that they had not received a check. Maybe they had not applied it to the correct account? They requested that I supply a check # and routing info and they would check. 
I contacted HSBC to acquire the information requested of the other financial institution. After more than one call asking for this information I finally received a copy of the check. 

The issue at hand is that after confirming that my previous financial institution did not receive the check, and confirming that the address was indeed correct for the location at which they should have received said check. They admitted that I was the victim of fraud and that I should dispute the transaction. 
Here is the problem that I need direction on. HSBC says that there procedure for this concern is that I am to walk into a Brick and Mortar location and fill out an affidavit and then they will reverse the transaction making me whole again. 
Unfortunately the closest physical branch is in XXXX XXXX California and I live in XXXX XXXX XXXX Utah. 
On multiple occasions I tried to escalate my issue up the management chain to find an optional method for resolution. After speaking with multiple representatives that obviously work in a call center based in another country with very thick accents repeatedly telling me to walk into a branch location and then promptly hanging up on me I am reaching out to the CFPB to get some further assistance with customer service options. 
I even tried to call Physical branch locations to speak with a US based banking representative, Unfortunately all branch locations local U.S. # 's direct you right back to the call center to route or screen your concerns. 

I am now on the hook for {$2500.00} dollars twice. This is not acceptable and I would like a fair resolution outside of obtaining legal representation.