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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. Also, I was never late. I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$25.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$440.00} XXXX XXXX  XXXX XXXX Opened  XXXX XXXX, XXXX Balance {$0.00} REGIONS BANK XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name continues to update to a suffix either XXXX, XXXX, etc. My name is XXXX XXXX XXXX. I do not have a suffix at the end of my name. I keep calling and mailing in disputes concerning this. I've also mailed in copies of my ID and SS Card to verify this information. My name is currently showing XXXX XXXX XXXX XXXX. It should be XXXX XXXX XXXX or XXXX XXXX XXXX.
Product: Debt collection

I was looking for a car, found one, and was told I had to put a deposit down on the car even though I didnt have to. Company to my deposit and amped up the price of the car. I noticed maybe a week later that that happened to me. Once I noticed I sent the dealership and finance company a lengthy letter including an affidavit to come collect their property and return my deposit, a cease and desist for the negligence they are knowingly doing. They came and collected their property from me and never returned my deposit. Now they want to claim I owe them for a vehicle I dont have possession of.
Product: Prepaid card

Venom card service denied my dispute.. after I showed proof that I was in the hospital I have XXXX $ missing out my account and ant no way I use these money in the hospital on my death bed I have XXXX XXXX and XXXX with XXXX and they still denied my claim I submitted hospital records and police report
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Credit Acceptance and XXXX XXXX. These two organizations used deceptive and manipulative acts to coerce me into signing a auto contract. The two companies did not disclose my right to rescind. This transaction included a Finance Charge which is the sum of all charges according to the Truth in Lending Act. I was manipulated into paying cash as a down payment and making monthly payments for a vehicle. Violation of the Truth in Lending Act holds XXXX XXXX and Credit Acceptance criminally and civilly liable for noncompliance.
Product: Debt collection

This company ( Westlake Financial Svc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent copy of my Federal Trade Commission # XXXX identity theft report to XXXX, Experian, and XXXX   via mail explaining that I've recently have become a victim of identity theft and that several accounts including XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX were opened and or established without my knowledge or consent. Since my dispute today marks day 38 days total and I've yet to have heard or received any correspondence from XXXX, Experian, or XXXX. I checked my credit report this morning and these same accounts still remain reporting on my credit report. I still have several addresses that are currently displaying that were requested to be removed during the same time my initial dispute was sent to XXXX, Experian, and XXXX. Since it has bee over 30 days and I've yet to receive any nor accurate verification period, Per the Fair Credit Reporting Act ; XXXX, XXXX, and Experian must delete all of the fraudulent accounts from my credit file and send me an updated copy after the deletions have been made. I exercising my rights per section 605b, 609,  and 611. I will include a copy of my report with this complaint.
Product: Checking or savings account

my husband an I opened two checking accounts and a savings account with Suntrust Bank and I was told I could not have accounts with them and now they will NOT return our money!! This bank will not even give me a reason as to why, verbally or in writing ...
Product: Credit card

On XX/XX/XXXX, I paid off the balance of my credit card and cancelled automatic payments. On XX/XX/XXXX and XX/XX/XXXX they took the automatic payment anyways. On XX/XX/XXXX, I sent an email and I was told they would send me a check and cancelled the automatic payment Message ID : XXXX On XX/XX/XXXX they once again took an automatic payment when I have a XXXX  balance and was told automatic payments were cancelled. This is fraudulent and they should be forced to make restitution.
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/year> I tried to access funds in the amount of {$10.00}. The pin used was correct and the transaction was blocked. The second attempt it was blocked again. So I tried to move the entire balance off the Cash App APP and I was told that my account was suspended due to suspicious activity. I contacted the Cash App customer service and was transfered to 3 different representatives. The last stated " We've escalated your case and our team is working hard to resolve your issue. For reference, your previous case number is XXXX and XXXX. 

Although I don't have an update to provide at this time, our team will send you a response when we have more info. '' Since then I have reached out almost every day and they have held my funds without cause. I've told them the transaction attempts were me and authorized.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found an inaccurate account that was reported on my report. I have made a list of the accounts that I would like to be removed. I am in the process of relocating and getting my first home. Please review the information. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the fraudulent accounts -XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AND ALL OF THOSE AUTOMOBILE INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( " FCRA '' ) I would like all of my closed accounts removed. Many of these acts fall under the statute of limitations or are misreporting on my credit report. These accounts are closed and should not be on my credit report as open or reflecting balances. 

Account Name : XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Number : Reason : ( XXXX ) XXXX Account Name : XXXX Date Filed : XXXX XXXX, XXXX Type of Account : FRAUD Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Number : XXXX : ( XXXX ) XXXX Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Name XXXX XXXX  XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Number : Reason : ( XXXX ) XXXX account paid never late closed Account Name : XXXX XXXX  Date Filed XXXX XXXX Type of Account : credit card Address : XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX ) XXXX Reason : credit card filed lost never closed, paid in full marked incorrect Account Name : XXXX XXXX XXXX  Date Filed : XXXX Type of Account : FRAUD Credit card Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX ) XXXX Reason : Account open fraudulently six years ago, marked as closed and paid.
Product: Credit card

Sezzle is a buy now pay later company. I was required to pay for a down payment for my purchase. On XX/XX/XXXX I attempted to purchase something through XXXX via Sezzle. I was told that my card would not get charged for a down payment until the order goes through. The order was not successful however my card was charged by Sezzle anyway. I completed a alternative purchase from XXXX through Sezzle and my card was charged for that down payment. I contacted Sezzle on XX/XX/XXXX regarding my card getting charged for a down payment for a purchase that was never completed. I contacted Sezzle via their " 24/7 '' live chat. I did not receive a response until XX/XX/XXXX. They did not address my card being charged for a non existent purchase. On XX/XX/XXXX I was told I would be refunded in 7/10 business days. However I never received my refund. The issue is I should of never been charged in the first place. They claimed I got charged for a cancelled purchase, but the purchase was never cancelled, it declined. The purchase never went through so therefore they were never suppose to charge my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEW & UPDATED INFORMATION ON TRANSUNION On XX/XX/XXXX I submitted my complaint on Defamation of Character to TRANSUNION CASE NUMBER : XXXX On XX/XX/XXXX on XXXX TRANSUNION Received my information to move forward with the re-investigation ( I Included my proper identification in attachment pursuant to 15 usc 1681h ( a ) ( 1 ) ) On XX/XX/XXXX I received a letter from TRANSUNION stating that my correspondence is from a third party, which is false! The correspondence is directly from me.
Product: Checking or savings account

I deposited a valid check on, XX/XX/2024, in the amount of, {$1400.00}, from a XXXX XXXX account holder. 

Suncoast Credit union, on XX/XX/2024, froze all of my accounts and access to said accounts under my name. 

I reached out to XXXX XXXX XXXX fraud department by way of a voicemail left to me on XX/XX/2024. 
I was instructed to gather from XXXX XXXX, documents with the letterhead from the issuing institution that states the deposited check would be cleared and is valid. 

On XX/XX/2024, I submitted that particular document from XXXX XXXX as requested, and a copy of the cleared check for, {$1400.00} I was informed by the customer service agent at the XXXX XXXX XXXX XXXX in XXXX XXXXXX/XX/XXXXthat they could not provide me with any timeframe of when my accounts would be made whole, and that I was responsible for all monies that where in the negative due to no fault of my own. 

I am only asking for some kind of reprieve from this unfortunate circumstance not brought on by my actions. 
If Suncoast Credit Union would have just checked the submitted/deposited, check as I thought ALL banking institution should do to validate deposited checks, non of this would have taken place. 

All that I am seeking is for Suncoast Credit Union correct a wrong caused by their faulty actions. 

I thank you in advance for any assistance that you could provide in this matter.
Product: Checking or savings account

Merchant : XXXX Date : XXXX Amount unknown I attempted to rent a car but was unable to complete the transaction. but I received a survey asking me about the rental. I never received a confirmation and unaware whom or where to pick up I do not have a reference number as I did not authorize any transaction as my computer did not Each time i TRY TO CONTACT nfcu either request a call back or try to handle financial matters I am sent to multiple places and nothing is done and no return phone s=calls as I have requested multiple times
Product: Credit card or prepaid card

My husband and I have been customers of Chase for decades. We have also had Chase credit cards for decades. We have NEVER been late paying our monthly balance. This past month, we sent in our payment as usual, as soon as we got our bill. Because of the US Mail, which has been decimated by Covid-19, apparently Chase did not get our payment before the due date, or at least it claims it did not. 
It therefore charged us {$28.00} in fees and {$30.00} in interest. 
We feel this is outrageous profiteering from Covid-19 and will not pay either the interest or the fees. 

The interest and fees were imposed on our payment for the month period ending XX/XX/20. 

We called the bank and it declined to do anything about it.
Product: Mortgage

My mortgage company said my escrow was short so my payment went from {$700.00} XXXX XXXX per month which I called them and said Im on a fixed income and youre putting me in financial hardship and can you extend the escrow loan over a three-year period and they told me youre not delinquent youre not in foreclosure we cant help which yes they can. This is not right, so I am contacting you to make a complaint with this mortgage company/bank dissatisfied
Product: Credit reporting or other personal consumer reports

I'm writing to formally dispute any mistakes that my credit report might have contained. I've discovered a few major errors in the account details after thoroughly reviewing the data. These mistakes are concerning since they can have a detrimental impact on my financial condition and opportunities. 

These discrepancies need to be corrected right away for my credit profile to continue being realistic and accurate. I require a thorough investigation into the disputed items and their immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ). 

I've supplied supporting documentation that outlines the differences for your review and consideration. Since this issue is vital to maintaining my financial security, I truly appreciate your quick attention to it.
Product: Debt collection

I am getting charged for something i knew nothing about, i contacted the debt company the first time to get it removed they did and now it is back on my credit. The representative was very rude when talking to me and said there was nothing she could do to help me.
Product: Checking or savings account

Received a notice that I requested a new account with Wells Fargo. I did not request the new account. A few days later, via USPS I received a credit card for Wells Fargo and a letter. I took the confirmation letter to the local Wells Fargo banker in XXXX on XXXX XXXX, he spent some time with me trying to determine the status of the account, then told me the account was now on hold. He also gave me some tasks to complete, to get with the local police department ( which I did ) and to contact the Credit Reporting companies ( which I did ) to make them aware of possible identity theft. 

Recently I received a third letter from Wells Fargo about my checking account and thanking me for being a " loyal Wells Fargo customer ''. I took that letter to the local Wells Fargo banker in XXXX. The banker said he thought all was well, because the account was on " hold '', but in a few days I should call the 800 number on the letter and check to be sure. 

I called the 800 number ( XXXX ), was placed on hold, then was told someone would call me back. XXXX of Wells Fargo returned my call, I explained the situation, he said that Wells Fargo could only place the account on " Hold '' and it would be " Frozen '' and then he said he would " close '' the credit card account.
Product: Payday loan, title loan, or personal loan

I told them I was unaware of the account and they failed to provide any notice or any documentation proving I applied for the loan. 

XXXX XXXX,2015 {$820.00}
Product: Mortgage

We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who's involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out physically continuously.

note date XX/XX/XXXX mers report XXXX stated it was sold to XXXX  MAILING ADDRESSES FOR PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX  FOR OVERNIGHT MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX  PHONE XXXX CEO GA ATTORNEY Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Contact : XXXX XXXX XXXX : Chief Executive Officer Phone : ( XXXX  ) XXXX  Website : XXXX
Product: Debt collection

It is a credit card. I applied for the card, received it. Then they said I didn't pay the fee to start the card. I paid the fee. so, they shut the card off, i used it once and it was for like XXXX dollars, and then they shut it off and started sending mail, calling and letters. I am not going to pay for a card i used once and then they shut it off.
Product: Mortgage

We have requested that our servicer, Specialized Loan Servicing. pause our sale date of XX/XX/2023 to allow us to complete a review of the XXXX XXXX XXXX application. We were not made aware of this program by ANYONE, not even our servicer, until the beginning of XXXX when they issued the actual notice of sale. We were not even made aware of our options to work with a local HUD approved counseling agency either until much later after the notice of default. We have made the request to pause the sale date to XXXX but they have refused even knowing that our HAF application is in process. We elected to submit a request of mortgage assistance also in an effort to pause the sale date, but a customer service agent informed me that this would be denied anyhow because the sale date is so close. We are trying every effort to keep our home even after critical information was not given to us. We are NOW working with a HUD-approved counseling agency, XXXX, and they have also been stonewalled to getting our sale date postponed.
Product: Checking or savings account

I opened a free checking account on XX/XX/20 with a {$100.00} opening deposit from another bank account of mine. 

On or about XX/XX/20, I received a letter dated XX/XX/20 that said I needed to come in to a branch with documents to verify my identity or my account would be closed by XX/XX/20. 

The nearest BMO branch to my home is a two hour drive one way, and receiving the letter almost 10 days after it was postmarked caused me to just give up trying to fix the problem and I planned to just wait for the account to be closed and my opening deposit to be refunded. 

I have not received that opening deposit refund as of today, XX/XX/20, over a full month after the account was opened and 22 days after the account was supposed to have been closed. I called BMO today and the agent I spoke with said a cashiers check was sent XX/XX/20 to the address on file, but when I said I hadn't received it, she said all I could do to get my money back was go to a branch.
Product: Vehicle loan or lease

XX/XX/XXXX, I signed a financial contract to trade in my XXXX XXXX XXXX for a XXXX XXXX XXXX at the XXXX of XXXX with the XXXX XXXX Santander consumer XXXX During the month of XXXX, I was offered new employment which eventually didn't continue but was able to keep my old job but I had to validate this with the lending institution ( Santander ) that I will be late on the due date before that payments were directly from my XXXX account which after rent, utility, phone bill, car insurance, other personal bills, food, gas and other daily expenses shows beyond checking my credit history, shows they is legitimate burden of proof or little reassurance that I can actually make these payments but they ( XXXX  ) will not take car back as total part of the loan. The car has mechanical issues causing more of a financial issue as well. My monthly rent after governmental assistance is at {$550.00}, while my auto loan monthly payment is {$650.00} over XXXX XXXX dollars more than my rent, my monthly income varies at times due to the different work hours I work to ( monthly income shows from XXXX to XXXX monthly which clearly shows my loan is unaffordable
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for a several time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the credit bureau must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$390.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$2100.00}