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

Dear CFPB, They are liars. I have all the documents here. 
No responses no investigations no calling me back. 

I am writing to file a **new complaint** against **Suncoast Credit Union** . Their response to my previous dispute is **completely unacceptable** and **inaccurate**. The claim that I authorized the disputed transactions is **impossible**. I have submitted a **police report** verifying that these transactions were **fraudulent**, and their refusal to acknowledge that only points to a serious **security breach** on their end. 

Suncoast has clearly failed to protect my account, and now they are attempting to **cover up their negligence** by blaming me for these fraudulent charges. Its clear that **someone else impersonated me**, and their lack of proper investigation has led to this **gross error**. I have been completely **defrauded** by the institution that was supposed to safeguard my money.

I can verify, without a doubt, that these transactions were **not conducted by me**. My police report, which they continue to ignore, proves this. Instead of addressing the actual issue, they have put my account into **negative standing**, which is causing even more financial harm. Suncoasts handling of this dispute has been **irresponsible**, and their lack of communication has only added to the stress. They **dont respond to my messages** and **ignore my calls**. 

This has gone far beyond a simple dispute. Suncoast is **defrauding me**, and I demand immediate action. They need to **credit my account today** for the {$1000.00} in fraudulent transactions. This situation is financially ruining me, and their failure to comply with **Regulation E** of the **Electronic Funds Transfer Act ( EFTA ) ** is unacceptable.

I expect **immediate intervention** to force Suncoast to return my funds and take responsibility for their security failure.
Product: Checking or savings account

In XX/XX/year> XXXX closed my account and never told me why. They said a check with the balance in my account ( {$1400.00} ) would be mailed to me. It never was. I tried for years to get information on the check but they refused to help me because my account was closed. Finally a year ago they said they still have the check and will mail it to me. I called about two weeks later stating I still had not received my check only for them to tell me they sent it to the states unclaimed property division instead of me. So I filled out and submitted the form with the state. Today I heard back from the state saying that they need a photocopy from Chase mailed to them in order to release the funds to me. I spent all day working with Chase and they are declining to comply with the states request.
Product: Checking or savings account

Wells Fargos consumer abuse OPNED A BUSINESS ACCOUNT FOR ME AND MY HUSBAND AND CLOSED OUR REGULAR CHECKING ACCOUNT WITHOUT OUR KNOWLEGE???? SO WE HAD NO BANKING ACCOUNT??? BUT NEW PLATINUM BUSSINESS CARDS-SO WE WENT TO BANK -WE WERE TOLD WE HAD GOTTEN CHANGED TO A BUSINESS ACCOUNT??? WE DID NOT HAVE A BUSINESS -WE WERE RETIRED -GETTING SOCIAL SECURITY ... .SO WE CLOSED OUR WHOLE ACCOUNT AND HAD TO GO GET ANOTHER BANK ... WHAT A NIGHTMARE AND HAD NO WAY TO PAY BILLS OR ANYTHING UNTIL OUR NEW BANK GOT US GOING... WELLS FARGO OWES ME SOMETHING FOR THIS FRAUD MONEY MAKING SCHEME AND THIS IS NOT THE FIRST TIME DOING -THEY ARE REPEAT OFFENDERS
Product: Credit reporting or other personal consumer reports

Navient has violated my consumer rights and privacy since before 2018! 
Simply put, FARPA 20 U.S.C. s. 1232g and 34 C.F.R. part 99 protect my Rights and Privacy limiting the ability to share my information. FERPA defines personally identifiable information to include, without limitation, the names of the student and his or her parents or other family members ; the address of the student or student 's family ; the student 's social security number, student number, biometric record, or other personal identifier ; indirect identifiers, such as the student 's date of birth, place of birth, and mother 's maiden name ; and other information that could reasonably identify a student. 34 C.F.R. s. 99.3 ( definition of personally identifiable information ). 

Not to mention, on these reports, there are multiple instances of these debts being charged off. A charge of is considered a certificate of indebtness which means it is income and MUST be removed. 

It is ILLEGAL to report transaction history.- 15 USC 6801 Please see attached for more violations of my rights by Navient, Opt Out Letter and Credit Reporting on said account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/20, my application for an XXXX XXXX credit card was denied. They said that my credit accounts were frozen. Equifax, XXXX, and XXXX have each verified that my credit accounts with them are not frozen. What steps can I take to fix this problem? 
XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I paid off my residential mortgage serviced by Suntrust/Truist XX/XX/XXXX. Prior to closing, I noticed the payoff amount did not include credit for the escrow balance of {$720.00}. I contacted Suntrust prior to the closing on XX/XX/XXXX and they stated a check would be mailed after payoff. 

On XX/XX/XXXX, I called Suntrust and was told the check could take 10 to 15 business days for me to receive. 

On XX/XX/XXXX I spoke to XXXX and was told they mailed the check on XX/XX/XXXX. I told him still had not received my escrow refund. XXXX stated he would send another check. I told him I prefer a wire or direct transfer as Suntrust has demonstrated an inability to properly send checks. XXXX said it was not possible to wire funds. I told him I require a tracking number for the check being mailed and he said to call back on XX/XX/XXXX for tracking number. 

On XX/XX/XXXX I called and spoke to XXXX and requested a tracking number. He said a tracking number was not available and will initiate an internal complaint. I requested a wire transfer again. 

On XX/XX/XXXX I called XXXX and he stated check requested by XXXX on XX/XX/XXXX was not sent and checks requested through escrow department take 7 days to process. Suntrust Internal compliant number XXXX was provided to me. XXXX said I would get a call back from the Client Resolution Department within 24 hours. I told XXXX they were in violation of CFPB XXXX. 

On XX/XX/XXXX XXXX XXXX called and said they will research and do wire transfer by next week. I told XXXX XXXX they were in violation of CFPB XXXX. 

On XX/XX/XXXX, I called and spoke to XXXX. He said they are working on it and I would receive a call today. XXXX XXXX called and said they scheduled a wire transfer XXXXand that he will call back tomorrow. 

On XX/XX/XXXX, Still no wire transfer. I called and spoke to XXXX and he said XXXX XXXX was gone for the day. He said he spoke to XXXX in XXXX XXXX Department and she will follow-up and call today before XXXX. 

On XX/XX/XXXX XXXX called back. She said a " Stop '' was placed on XX/XX/XXXX on a check and they will wire funds to my account by XX/XX/XXXX. I told XXXX they are in violation of CFPB XXXX. 

On XX/XX/XXXX, XXXX am., I called XXXX XXXX XXXX Still no wire transfer. He said he will call back today. I told him I needed a reference # for wire transfer. 

On XX/XX/XXXX, XXXX am., No call yet from XXXX XXXX and no wire transfer. I called XXXX. She  said people not in today. She said she is moving it to other people and will call back before noon. 

On XX/XX/XXXX XXXX XXXX called back and said she  is still working on it. 

On XX/XX/XXXX XXXX wire transfer finally appears in my account. 

Please review the Suntrust/Truist mortgage servicing department for additional similar violations. Please also pursue Suntrust, Truist, for maximum civil money penalties, sanctions and other enforcement action for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I applied for credit. This required that I unfreeze all three of credit bureaus. As the XXXX security data breach of XX/XX/2018 had affected my account. After hours of attempting to do this with all three. I was successful with Experian, unfreeze my report for a credit application. 
However, I was charged {$1.00} on XX/XX/18 and then {$21.00} around the XX/XX/XXXX and XX/XX/XXXX of every subsequent month for a service I did not intend to sign up for, did not want, had no use for, AND never used. 
Today I reached out to Experian. They canceled the service and refunded one month of fees, refusing anything more. They suggested I use my credit card company to dispute the other charges. I dont think its my credit card companys responsibility. They stole over {$300.00} from me. 
Consumers should not have to spend hours of their time to attempt to protect their personal information and credit. Especially when free credit monitoring was promised after XXXX is negligence. 
On a sidenote, I was never successful unfreezing my XX/XX/XXXX account. This is a scam. Yet another means of all 3 credit bureaus means of influencing your credit score, access to your report, and ability to borrow at reasonable rates. Its a shame.
Product: Vehicle loan or lease

I AM A VICTIM OF IDENTITY THEFT, SOMEONE ELSE IS USING MY INFORMATION TO OPEN THIS ACCOUNT
Product: Credit card or prepaid card

On Thursday, XX/XX/XXXX, I received a letter in the mail from Netspend. This letter contained a pre-paid Mastercard, with instructions for me to activate it and begin using it to " Get paid up to 2 days faster ''. I have never heard of this company and never requested a card -- this card was completely unsolicited. This is not an advertisement for a card, it is the card itself. From my understanding, if I were to activate it, I would either be charged a {$9.00} monthly fee OR be charged {$1.00} per purchase. 

I attempted to call their customer service line, but was unable to speak to a human without activating the card first. Since I do not want the card, I did not activate it.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Never had anything dealing with the Loan. Just not seeing this on my report
Product: Credit reporting or other personal consumer reports

I am writing to formally request that certain fraudulent accounts and transactions be permanently blocked and deleted from my credit report, as allowed under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a recent data breach and am now dealing with the ramifications of fraudulent activity on my credit file. 
The following accounts are fraudulent and do not belong to me : XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$710.00} XXXX. XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$8600.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$22.00} XXXX. XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$6900.00} XXXX. XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$240.00}
Product: Debt collection

This company was contact months ago and so were all 3 credit bureaus. The account in collections was opened fraudulently back in XX/XX/XXXX and this company is purposely reporting this debt as if it was opened in XXXX. This leads to more of a score drop on my credit report and is being done on purpose because Diaz And Associates is aware that the account was is set to fall off in 7 years XXXX XX/XX/XXXX ) which was confirmed by all 3 credit bureaus however this unscrupulous bill collector is reporting the account being opened this year XXXX just because they bought the debt which should not be allowed by the credit bureau and should not be done by the collection agency. This is a ridiculous attempt to not submit the correct information and it needs to be reported correctly which is it was opened in XXXX NOT XXXX. 

This debt needs to be reported correctly it was last delinquent in XXXX and is set to fall off the credit report XX/XX/XXXX, therefore Diaz and Associates should not be allowed to report fraudulent information as if this account was open and first because delinquent in XXXX to the credit bureaus and the credit bureaus should NOT allow this practice to continue for anyone, very unscrupulous behavior and Dias and Associates has been notified and have made no changes.
Product: Debt collection

I am writing to formally dispute inaccurate information on my credit report. As a consumer, I am entitled to accurate information under several consumer protection laws. Specifically, I am citing the following regulations and statutes in support of my dispute which were violation of my consumer rights : 12 CFR 1006.34 ( b ) ( 5 ) : This section pertains to the requirement for debt collectors to provide clear and accurate information regarding the debt. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation mandates that debt collectors must provide the name and address of the current creditor. 12 CFR 1006.34 ( d ) : This section outlines the obligation of debt collectors to provide additional information if the consumer disputes the debt. 15 USC 1681s : This statute, part of the Fair Credit Reporting Act ( FCRA ), requires that consumer reporting agencies and furnishers of information to these agencies ensure the accuracy and integrity of reported information. The items I am disputing are as follows : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : XX/XX/year> I revoke all rights of communication via email/text/calls from the debt collector. I am also requesting debt validation, purchase agreement between debt collector and the original creditor. Also proof that they are licensed and bonded. I do not own this debt.
Product: Debt collection

I received a call middle of XX/XX/year> from Williams & Fudge, the lady on the other end was looking for me, but used my maiden name. I asked her what this was in regards to, and she said it's a personal business matter with XXXX XXXXXXXX XXXX, which I have not been enrolled in college in more then 15 years. I told her that to which she said, " that doesn't mean it's not due. '' If it were due, I would have paid it by now. 
When I asked for documentation I was told that the item has been with their office since XXXX. They've tried calling me about this matter. Which is untrue, I pulled my records from XXXX to that current date, the only call I've received from them I answered. So I don't really care how long it's " been with their office '' unless I have proof that it is owed I don't know what to tell her. I updated my address with her and waited for documentation. 
When the documentation arrived it was an invoice that Williams & Fudge made up and printed. I have that and can send it to you. They made the letter look as though it came from XXXX XXXXXXXX XXXX, but they used Williams & Fudge 's XXXX XXXX as who it was addressed from and the return address. This bill was not from XXXX  XXXX XXXX, but printed by them, which proves nothing. They used this as legitimate proof that this is due, not one date on it. 
I feel like they are trying to collect on something that is simply not due.
Product: Checking or savings account

To Whom It May Concern - were a small business based in XXXX XXXX. This morning we found evidence of embezzlement from a former disgruntled staff member of ours. His final check was made out to him in the amount of {$230.00}. He wrote in an extra $ XXXX ( see attached photos ) on the check ( can clearly see the different handwriting ) and to add insult to injury Wells Fargo gave him another $ XXXX so now were at a loss of at least $ XXXX which is a lot for a small business! However we still have not been reimbursed our money by the bank due to research. Weve since filed a police report with the XXXX ( case # XXXX ) who also confirmed the crime so theyre beginning a thorough investigation. Im reaching out to you to please help escalate this matter for us and expedite the resolution for reimbursement AS A RESULT OF WELLS FARGOS ERROR. Im giving you this opportunity before I file a formal complaint with the FTC ( as we know Wells Fargo doesnt need yet another complaint filed ). We appreciate your attention to this!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was sent a sum total amount from my sister for partial payment of money she owes me due to staying in my rental at XXXX a month. XXXX XXXX XXXX  and serious delays on unemployment, she has been unable to pay. She finally thought she had received funds from unemployment and transferred the money to my account. Something which I'm not privy to apparently happened with the funds. 
Navy Federal Credit Union took it upon themselves to remove the funds from my account which left me stranded in another state. I am not a joint owner of my sisters account. I wasn't aware and neither was she of any mishaps. Navy Federal illegally took funds out of my account to right a wrong with my sister 's account. They also did it with my nieces account as well. They also put a freeze on my husband 's account for his funds. They are being overzealous and stepping out of their legal limitations. Had the funds still been in my sisters account, that would be understandable until they figure out what was going on. But Navy Federal took this funds out of my account which they do not have the legal right to do. I want my money returned to my account. I have nothing to do with anything. My account should not have been touched.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, we reached an agreement for a payment plan, the payment corresponding to the month in question was made, and subsequently, the next payment was made on XX/XX/XXXX, having made the payments in time until that moment, the month of XXXX. XXXX approximately, call to make a payment extension for work problems caused by covid19 in terms of hours, they granted it to me! Giving me XX/XX/XXXX for said payment, at no time did the representative let me know that this action could cause a negative report to my credit history, when I started the plan they informed me that among the benefits I had, was the non-application of fines and that the account would be reported on time as long as it was up to date, there is no valid reason to report a late payment, if the payment was due on XX/XX/XXXX it was extended until XX/XX/XXXX, no more than 30 days late, the last payment before the plan was made on XX/XX/XXXX, therefore, after speaking 3 times where one of them the agent XXXX XXXX ID XXXX informed me that she was right! An unfair and inaccurate report was made to the credit agencies, the calls are registered and they can verify the veracity of my statements since the program began, I cordially request that this error be corrected taking into account the fair credit report law FCRA 15 USC 1681 signed XX/XX/XXXX by President XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are in my name that aren't mine. Below are the accounts that are reporting that don't belong to me on my credit reports XXXX, XXXX  and XXXX. 

1 ) XXXX XXXX XXXX  {$990.00} 2 ) XXXX  XXXX XXXX {$51.00} 3 ) I.C. SYSTEM, INC {$2100.00} 4 ) XXXX XXXX  XXXX {$460.00} 5 ) XXXX XXXX XXXX {$610.00} 6 ) XXXX XXXX XXXX  {$310.00} 7 ) XXXX XXXX  XXXX  {$440.00} 8 ) XXXX  {$8800.00} 9 ) XXXX  XXXX  XXXX  {$110.00}
Product: Debt collection

I noticed charges for {$58.00} was deducted from my checking account I called XXXX XXXX and told them thre was a misake and ask how they got my information. They told me I received the services of document preparation and they were the collegtion agency but could not tell me for what company. I put a stop payment and then 2019 they started taking payments out of my account from LoadHero, which is not filed with any SOS. the contract should give you all the information you needs. 
XXXX XXXX for XXXX XXXX, has never been registered under the Wyoming XXXX XXXX XXXX XXXX  XXXX XXXX, WY XXXX. I was support to get documents prepared through that company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. This is a bank specifically for XXXX XXXX XXXX and has nothing to do with XXXX XXXX, Loanhero of XXXX XXXX for XXXX XXXX. I am adding the promissory note and disclosures Payment I agree to make payment t " us ''. the entire document is a joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I only have one of the two XXXX entry because from some miracle I disputed them both 6 weeks ago and they took one off and not the other. I talked to XXXX and they said they sent an electronic message to XXXX  stating the XXXX delinquency as XX/XX/XXXX. They said they sent this on XX/XX/XXXX. I sent a dispute attaching proof that the date of delinquency is XX/XX/XXXX therefore it should be off my credit report. Since then XXXX  reported back to me they did there investigation even after I sent proof to them with what I attached from XXXX, they still have not fixed it and state that the date of delinquency is XX/XX/XXXX. I asked XXXX  even having proof of the date of delinquency from XXXX you have not removed it from my credit report and they said XXXX says it is right XX/XX/XXXX date. I asked what is the point of sending proof they said to me even if your correct and you have proof from the creditor and the creditor still reports wrong we will always do what the creditor says. I said so proof doesn't matter right and he said in your case it does not matter. 

On Equifax I have two XXXX entry I talked to XXXX and they said they sent an electronic message to Equifax stating the XXXX delinquency as XX/XX/XXXX on both accounts. They said they sent this on XX/XX/XXXX. I sent a dispute attaching proof that the date of delinquency is XX/XX/XXXX therefore it should be off my credit report. Since then Equifax reported back to me they did there investigation even after I sent proof to them with what I attached from XXXX, they still have not fixed it and state that the date of delinquency is XX/XX/XXXX. I asked Equifax even having proof of the date of delinquency from XXXX you have not removed it from my credit report and they said XXXX says it is right XX/XX/XXXX date. I asked what is the point of sending proof they said to me even if your correct and you have proof from the creditor and the creditor still reports wrong we will always do what the creditor says. I said so proof doesn't matter right and he said in your case it does not matter.