23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Suntrust Bank reported a {$12.00} charge to the credit bureau that was from a fee they charge for having their credit card. I was unaware of the charge. I had XXXX Removal XXXX in late XXXX and did not log into my online account for XXXX. I had a XXXX balance on my credit card. In Early XXXX I saw the charge on my account and paid it immediately. 

Upon applying for home mortgage it was brought to my attention. I went to Suntrust Bank and met with the Manager at their XXXX XXXX Branch in XXXX Fl. He agreed that it should not have been reported and while I was with him her personally wrote a letter of dispute to the credit department of Suntrust. 

I received a letter from the credit department that it was being reviewed but have heard nothing back. 

I am formally requesting that this charge be removed from my report. It is hurting my credit and barring me from applying for a home mortgage. 

I would appreciate the help cfpd. 
Thank you XXXX XXXX
Product: Debt collection

This company XXXX XXXX XXXX keeps calling and leaving messages. XXXX times a week. 
I have asked for info about the debt in writing but they said they didn't have my info and asked for my address. I declined to give it to them, if this was a valid debt they should have that info. I haven't moved in XXXX years. 
They have not told me how much I owe, nor when it was owed. They only reached out to me when I called the original company and that is how they got my phone number.
Product: Credit reporting or other personal consumer reports

There are several errors on my XXXX and TransUnion credit reports. on my XXXX XXXX ) XXXX bank acct # XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX acct XXXX XXXX * XXXX. 
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/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
Product: Vehicle loan or lease

I NEVER APPLIED FOR A VEHICLE LOAN FROM EXETER, This was done WITHOUT MY CONSENT! I purchased a new vehicle in XX/XX/2024 and the two financial institutes are well know the dealer uses, presently my car is being financed by the dealers finance agency. I called Exeter today, Saturday XX/XX/2024 at approximately XXXX XXXX and requested to speak to a supervisor regarding a email I recieved claiming I was denied for credit. Now again, I have NEVER applied, signed any application for EXETER to finance my car. XXXX XXXX claims the dealer sends that information out ( the dealer only uses two finance companies, one is their own and the other one is NOT EXETER. ) I asked to let me speak to someone in the legal department ( refused ). I requested any and all copies of any documentation that they can proof I authorized them to run my credit or that I had asked them for a loan ( that as well was refused. ) Now, I have a serious problem with entities that take personal information including social security numbers, runs credit on people without their CONSENT. I demanded her to provide me with her claims I authorized them and she refused. I need for this government agency to have these XXXX  to send me all documentation and to contact ALL three credit bureaus a letter stating that they were not authorized to run a hard credit on me therefore fix my credit score if indeed it lowered because of their unauthorized and illegal application without my written consent and signature. I am sick and tired of the XXXX  getting away with this behavior. I await your response with all the documentation they have on me.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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 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 a 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

Chase sent me a letter to settle my account ending in XXXX for {$790.00}. In XX/XX/2022, I contacted the company and remitted payment for this account to settle it. Chase representative said that the account would be reported as settled for less than the amount due and I would receive a cancellation of debt. 

This account is inaccurately showing up on my credit report as still having a balance. I contacted the company today and was met with rude customer service. The representative told me to contact the credit bureaus to resolve my issue which is violating my rights under consumer protection laws and FCRA. The account is adversely impacting my credit due to the deceit and fraud from the representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove them. There are addresses, inquiries and names that I don't recognize.
Product: Checking or savings account

I am following up on a complaint that was filed a few months ago, # XXXX. US Bank still has not reimbursed our checking account for the {$15000.00} that was stolen. This has been going since early XXXXUS Bank allowed a check that was white-washed from {$40.00} to {$15000.00} to be cashed even though a stop payment was put on the check prior to the check being cashed. I don't understand how this is even our issue. What's the purpose of 'stop payment ' if the banks are going to cash the checks anyway? If this isn't resolved I will be forced to seek legal advice.
Product: Credit reporting or other personal consumer reports

Lenders changed and I was never notified of the new lender being XXXX  XXXX XXXX I sent my payment on time but they reported me late in XXXX, XXXX  I called them and told them this was their fault for not notifying me in time that there was a change in lenders and this dropped my scores by XXXX points. 
I want this fixed please because I don't believe this was my fault.
Product: Debt collection

MY WALLET WAS STOLEN AND I DONT KNOW WHO TOOK IT. SOMEONE OBTAINED A CABLE BILL WITH XXXX IN MY NAME I HAVE NEVER HAD XXXX
Product: Credit card

My points balance of XXXX was reduced to zero. I reached out to American Express on XX/XX/2025 but the agent said they could not see any points or any history of points. They said my card was canceled, but I was unaware of this. I would have cashed out my points at a reduced value of XXXX per point, if I was aware.
Product: Debt collection

I have reported ZWICKER & ASSOCIATES debt collector twice on your website. This company keeps sending me threatening letters trying to sue me. I explained in the past that my information was compromised and I been trying to correct the issue. Right now I'm dealing with Georgia Labor Department with fraud. 
Someone stole my benefits. I had enough of this company abuse. Please help me.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$5800.00} Date Opened XX/XX/XXXX XXXX  XXXX xxxxxxxxxxxx XXXX {$1600.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} Date Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Account Status {$3500.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$5000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$3700.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$2900.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$4100.00} Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Capital XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  Date Opened XX/XX/XXXX Balance {$5800.00} Charge off XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$870.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX Balance {$6100.00} XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Bal XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$14000.00}
Product: Credit reporting 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 XXXXXXXX has violated my rights. Or list of inquiries 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 reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

Southwest Credit put an old XXXX XXXX  account on my credit report for the 3rd and last time. Its harassment. This company has removed this debt off my credit 2 times already. They committed illegal actions and can not prove to me that they have a right to collect a debt from me that I do not owe. XXXX told me that since I moved during XXXX that they definitely did not give Southwest credit permission to harass me. I have not been in contact with this company but want them to prove they have the right to collect from me when I dont owe them. This company is harassing me and its illegal to do this. They have caused my credit score to drop by XXXX points.
Product: Debt collection

I closed this account in XX/XX/XXXX/XX/XX/2014 and established service with another carrier. XXXX XXXX XXXX continued to charge/bill me for services, I had closed/canceled. I 've called and wrote letters to resolve this issue with no avail. I mailed a check showing where account was paid in full. XXXX XXXX XXXX never responded to my letters disputing these charge.
Product: Mortgage

Seterus received my real estate taxes, check # XXXX dated XX/XX/2016 for {$1900.00}. The check cleared my bank account on XX/XX/XXXX. Seterus now claims this bill was never paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT AND NOTICED THAT XXXX XXXX XXXXLACED A FRAUDULENT ACCOUNT ON MY PROFILE WITH EXPERIAN AND XXXX FOR THE AMOUNT OF {$60.00} PLACED LATE PAYMENTS ON THIS ACCOUNT AS WELL. THIS ACCOUNT SAYS PAID BUT THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED! AMERICAN CREDIT ACCEPTANCE IS STATING THAT MY ACCOUNT WAS LATE FOR XXXX PAYMENTS OF XXXX AND XXXX BUT I WAS NEVER LATE ON THAT ACCOUNT. UPDATE MY ACCOUNT PAYMENT HISTORY TO CURRENT!
Product: Checking or savings account

I received a check and letter in XXXX  of XXXX regarding my account I have copies of the check when I called to see if I was owed more money due to the lawsuit I was told they couldn't find anything on file. Wells Fargo my name is XXXX XXXX address is XXXX XXXX XXXX XXXX va XXXX
Product: Student loan

Im another case of Mohela providing me with the wrong information When reaching out for help regarding my student loans. When starting XXXX XXXX It was recommended to me that I go into forbearance instead of the IDR plan. During the XXXX  years I was in school, my loan balance ballooned over XXXX XXXX dollars. Ive always made my payments on time and XXXX back in XXXX, yet I still owe XXXX XXXX  out of XXXX XXXX. This doesnt make any sense.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.
Product: Student loan

I filed for a income driven payment plan on XX/XX/2023. My loan servicer ( Aidvantage ) still has not processed the paperwork. I have been notified that my first payment is due at the beginning of XXXX. I have called but I can never get through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit card in XXXX with XXXX XXXX  for XXXX XXXX dollars the following year in XXXX I closed this card with a branch loan officer on XXXX XXXX in XXXX Alaska They list the account as XXXX on the file with XXXX and XXXX and Equifax show a different number. I have disputed this for three years I closed the account in good standing with a XXXX balance and they continue to show as a charge off with a balance of XXXX. I have sent letters documentation letter from loan officer who closed the account stating as I did in good standing and yet the Agencies ( credit reporting ) fail to correct this. 
This needs to be removed completely as this is not only false but severly damaging personally.
Product: Consumer Loan

On XXXX XXXX, 2015 I responded to a letter from Wells Fargo offering XXXX a line of credit, inquiring as to what I could be approved for and at what rate ; an audio recording of that call, provided by Wells Fargo, is attached to this email as well as a transcript of relevant dialogue below. In short, I only wanted to know what rates would be available to me and made very clear that I did not agree to take on any line. After this conversation Wells Fargo began sending me information in the mail about my " new line of credit and credit card ''. I contacted them and told them I never wanted this line, that I did not agree to take on this line, and that I needed it closed as they opened it in error. After nearly XXXX months of communication with them they stated that this very call is the call where they feel I " verbally agreed '' to take on the note, they then said they would close the line noting it as " closed by customer request. '' I have told them this solution is unacceptable and they have not resolved it any further. Now it appears on my XXXX credit report that I opened and closed a line of credit, which as you know, looks bad XXXX. 

As you will hear in this call, I never agreed to take on a line of credit XXXX and want this line expunged from my record. There should be no record on my XXXX credit report that I opened and closed a line ; Wells Fargo opened a line in my XXXX name fraudulently and I want it removed and noted as fraud so as to keep my XXXX credit record clean. 

Thank you so much.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX : RESIDENT VERIFY XXXX XXXX : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Product: Credit reporting or other personal consumer reports

This is my follow up dispute regarding the inaccurate and invalid account being reported on my credit file.
Product: Debt collection

On Tuesday, XXXX XXXX, I contacted a debt collection agency to inquire more about the debt that I was being billed for. The total was XXXX. 
I placed the call from my office phone - this line is a blocked caller id line. I found out the information I needed and ended the call. A few minutes later, a call came into the office line and a person was asking for me. They identified themselves as an agent from the Collection company that I was speaking to a few minutes ago and stated that they believed the call was cut short and wanted to collect the debt at that moment. 

I was shocked and embarrassed to receive a call like that into my place of work. I was also shocked that they traced a blocked number and redialed it. I had never disclosed the phone number I was calling from. And the call was completed before I originally disconnected.
Product: Credit reporting or other personal consumer reports

Hi, I recently became aware of student loan account in collection on my credit report. This is not my debt. I'm a victim of identity theft once again. I've reported this fact repeatedly to all 3 major credit bureaus I have a credit freeze and fraud alerts on my credit, sometimes it helps and sometimes not. I been a victim of this nightmare many years over and over again. I do have two more complaints to letters to write as soon as I complete this one. I would like to add personal I'm XXXX XXXX XXXX XXXX XXXX veteran. Married over 45 years. Lived in the same home 40 years and retired for 12 years a Deacon in my Church for many years and except for these fraudulent accounts I don't owe anyone.
Product: Mortgage

My husband and I completed our reverse mortgage on our home in XXXX of XXXX. 
We have paid all of our property taxes and home insurance. 
In XXXX of XXXX our home burned down in a fire. We notified the Insurance Company right away. We notified the Mortgage Company, were connected with their Loss Draft department, filed all of our information with them and were told that the next step was to send in the Insurance payment, plans for the rebuilding, information on the company performing the rebuild, etc. 
DUE TO COVID 19 we did not receive permits and plan approvals from our city until XX/XX/XXXX. 
In late XXXX, XXXX we mailed in our Annual Occupancy Certificate ( after asking the company how we should explain not living in the home because of the fire ). The company sent us a Certified letter on XX/XX/XXXX stating that they never received our Occupancy Cert., sent out an inspector, determined that the home was abandoned and that our mortgage was now DUE AND PAYABLE. I called the next day and was told that due to the circumstances they would give us a VERBAL extension of six months. Since then I have called several times and been given NO concrete notice that our home is safe. 
We are asking for your help and protection as we feel we are in a potentially dangerous situation and this has certainly been a massive hardship on us. We are foster parenting our grandchildren and dealing with the pandemic making it very difficult to deal with our part time business and the construction company that is finally trying to get the demolition and rebuilding process started.