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

This is my 2nd 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, my name is XXXX XXXX. I have a big problem with suntrust bank since XX/XX/2020, the bank closed my account and I had funds in this account of {$12000.00}, the bank closed the account and there is money in the account {$12000.00} after close. 
I contacted SunTrust Bank customer service directly and he said we closed the account and put the money in the wallet without any reason and they said the money is in XXXX XXXX, so why is my money in XXXX XXXX Money on Suntrust account, 1- Why did SunTrust Bank send money to XXXX XXXX ? 
They said I have to contact XXXX XXXX, so how do I have my money with suntrust bank and they want to contact another bank? 
This is the third report I have written in SunTrust, no one is calling me ignoring my reports and they don't want to fix the problem, I am trying to solve this problem without court but if SunTrust contacted me and tried to send it cashback on my address with a XXXX check I will sue SunTrust in court.
Product: Mortgage

I did a short sale on my condo. The bank that held the second mortgage agreed to take $ XXXX form the sale of the property and that upon receiving funds they would release the mortgage. Their agreement letter also states that there would not be any deficiency on the loan. Three months after closing my release is not on file with the XXXX website. I also received a call from a collection agency without warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent dispute letter out on XX/XX/2022 to the three bureaus XX/XX/XXXX, experian, and XXXX, still not response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 

1. Validate AccountXX/XX/XXXXAccount Number : Please remove it from my credit report. 

2. Validate AccountXX/XX/XXXXXXXX XXXX Account Number : Please remove it from my credit report. 

3. Validate AccountXX/XX/XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. account already paid creditor agreed to remove XXXX XXXX Account Number : Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

Lack of Warning/Policy Notice at the Time of Transaction When I first used Zelle, there was no clear warning or policy notice that stated that once a payment was sent, the money was gone, and the transaction could not be reversed. Had such a warning been displayed, I would have been more cautious and ensured that I was sending money to the correct recipient in the correct amount. 

It has come to my attention that Zelle now has a warning in place at the time of the transaction that explicitly states that money sent via Zelle is non-reversible and can not be recovered if a mistake is made. While I understand that this policy is now in place, it was not present when I made these transactions, and as a result, I was not adequately informed about the irreversible nature of these transfers at the time. 

Errors in Transactions at XXXX and XXXX XXXX XXXX XXXX Over the last XXXX years, I have made several erroneous transactions through Zelle at XXXX and XXXX XXXX XXXX XXXX, which were caused by a lack of understanding of the irreversible nature of the payments. These errors involved sending funds to the wrong recipients or making other mistakes in the transaction details, resulting in financial loss. 

Given that Zelle 's policy regarding the irreversibility of payments was not clearly communicated at that time, I believe that I should not bear full responsibility for these mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many accounts with my name on them but with incorrect information such as addresses and phone numbers. The addresses and phone numbers following do not belong to me and never did belong to me ; XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX
Product: Student loan

My daughter has student loans through Sallie Mae, I am a co-signer, due to her pay schedule her payment may be a few days late. We receive robo calls about a week before payment is due, and then for about a week after. These calls come every hour. I have called and talked to their representative and they tell me there is nothing they can do to stop the calls even after the payment is made.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA - XXXX This account was closed but was reported late due to annual fees being accessed. If the account was closed, there should have been NO annual fees. I have been reported late to the credit bureaus and that is completely inaccurate. Delete this account right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct this misleading information ; XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a dispute on several late payments with the company and they have failed to investigate my dispute once i have asked for verification of the method used to validate my account they have not sent the info in I have sent the company proof of my payments and they have still have not updated the late payment status on my account This issue has been going on since XX/XX/2018 2018
Product: Credit card or prepaid card

On XX/XX/XXXX, I used XXXX reward points ( {$1400.00} value ) from my credit card Chase Sapphire to purchase a round-trip flight on XXXX   XXXX for XX/XX/XXXX from XXXX XXXX to XXXX and returning on XX/XX/XXXX from XXXX to XXXX XXXX ( XXXX XXXX ). The flight was canceled due to COVID. XXXX XXXX has been unresponsive to me and supposedly Chase as well. I have not been able to get my refund of points and my credit card company has continuously said they are pending XXXX XXXX response. As per the FCBA, I can not be charged for a product I did not receive. I need a refund for my flight and Chase is not giving me one. I am not receiving any refund from XXXX as per the DOT COVID regulations or EU regulations. See here : https : //www.transportation.gov/briefing-room/us-department-transportation-issues-enforcement-notice-clarifying-air-carrier-refund Chase confirmed if XXXX does not respond to me by XX/XX/15, they would give me a refund regardless. Now they are refusing to do so. I've attached this correspondence from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discovered US BANK did a individual inquiry ( without my permission ) on XX/XX/2020. Of course because of this, my credit score was lowered by a lot of points, When I'm trying to get my credit score higher. 

I contacted the phone number, XXXX and their address is : XXXX XXXX XXXX XXXX, XXXX, MN XXXX. 

Spoke with a bank agent and she had no clue why this happened and couldn't give me a straight answer. I'm really upset here and it appears this is FRAUD. Which needs to be addressed immediately. 

Need to have this removed from all three credit reporting agencies and I want my points back that was stolen, because of this fraudulent injury!! 

The main number for US BANK is XXXX.
Product: Debt collection

After seeing on my XXXX credit report that I had an outstanding balance of {$19000.00} through Monterey Collections, I called the collection company on/about XX/XX/XXXX. They did not have my social security number in the system or connected to any account. I had never received anything in the mail from the company. ( They told me that correspondence had been sent to ... my ex-mother-in-laws home which I never lived ). I told them this as well as the fact that my ex-husband is solely responsible for the XXXX timeshare. I have no paperwork, no information since our divorce in XXXX when he was awarded the XXXX and held solely responsibly via court documents for all payments with me being held indemnified and held harmless ( see section XXIV attached ). They told me I would still be responsible. I told them I had court documents stating otherwise. I went through XXXX  to dispute and included my divorce decree in that documentation. The collection company still refused to delete from my credit report and instead added a note that it was a joint account with my ex-husband ( even though the court papers state I am not responsible for anything that was joint- he is ). After the fact, I contacted our state Attorney General 's office and was told that legally I am not responsible for any of it and they can not come after me in any way. It would not hold up in any court. I am going to file a case through our state 's Attorney General 's office as well. I need this deleted from my credit report and for them to not contact me about this in the future for any reason.
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on CREDIT ACCEPTANCE CORPOR ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX  Account Number : XXXX, Account name : XXXX XXXX XXXX  XXXX Account Number : XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX, Account Name XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Account number : XXXX, Account Name : XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number XXXX XXXX, Account Name : XXXXXXXX XXXX Account number : XXXX, Account Name : US DEPT OF EDXXXX Account Number : XXXX, has violated my rights. 

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

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

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

Ive written several letters requesting verification of the debt theyre claiming I owe, including a detailed breakdown and that have not provided the information. Instead theyve reported the balance to XXXX instead of providing me with the information requested.
Product: Checking or savings account

The following accounts I did not authorize them to be opened, and would like them removed from my XXXX XXXX consumer report. I have disputed them previously, and would like validation of the ownership if they can not be removed. Also, USAA will need to provide its verification process, in detail, as well ; rather than just responding with unsupported statements. 

USAA Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my currrent credit report and show inaccurate information with creditor name LENDING CLUB account number XXXX. This account has been satifed and paid as agree with no balance which is to be reported as {$0.00}. I have contacted Lending club you advise that this account is closed and paid as agree with no late payments. This account is still shown as open with a balance which is incorrect. I have sent mulitple dispute with no reply.
Product: Vehicle loan or lease

From  XX/XX/XXXX  to  XX/XX/XXXX  all of the transaction history of the lease billing and payments appears to be correct. The problem started on the  XX/XX/XXXX  billing statement ( with a due date of  XX/XX/XXXX  ). For an unknown reason, the  XX/XX/XXXX  billing statement displays a past due amount of {$1.00}. I called VW Credit on  XX/XX/XXXX  and spoke with  XXXX .  XXXX  was not able to determine the reason for the past due amount. Even without an explanation or justification from VW Credit, I paid the amount listed because I did n't want to risk being delinquent.   Even after paying the regular amount due and the {$1.00} past due, the same amount of {$1.00} past due appeared on the  XX/XX/XXXX  statement ( with a due date of  XX/XX/XXXX  ). I contacted VW Credit again by phone and this time spoke to  XXXX .  XXXX  's explanation was that VW Credit was having an issue with a data feed to a third-party statement producer and that the past due amount was incorrect, did not need to be paid, and could be ignored. I requested that the statement billing be corrected.   The  XX/XX/XXXX  statement ( with a  XX/XX/XXXX  due date ) continues to display a past due amount.   I contacted VW Credit now a third time, this time I spoke with  XXXX  on  XX/XX/XXXX .  XXXX  did n't have an explanation but said she would request a transaction analysis from a support department within VW Credit and get back to me.  XXXX  has provided no follow up.   I contact VW Credit for a fourth time today,  XX/XX/XXXX  and spoke with  XXXX .  XXXX  and I were on the phone for nearly 90 minutes. We reviewed the billing and transaction history month by month, transaction by transaction since the lease inception in  XX/XX/XXXX . All of our figures were in sync up to  XX/XX/XXXX . Like the other VW Credit representatives,  XXXX  was not able to identify or explain why the past due amount was displayed for the billing statements in  XX/XX/XXXX , or  XX/XX/XXXX .   I demanded that  XXXX  escalate the call to a Manager.  XXXX  said there were no managers available. I informed  XXXX  I would be filing a complaint with the CFPB. I also asked  XXXX  to provide a contact phone number for the  Executive Offices of VW Credit and/or Volkswagen of America .  XXXX  said he did not have an external phone number he could share.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

As I stated before I am not verifying a alleged account I am stating my privacy rights under the federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't deserve this erroneous information, the accounts don't belong to me. I did not sign up for any of these. I have always been a responsible payor.. CFPB remove the accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, Chapter XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

I have disputed incorrect credit reporting to XXXXTRANSUNION several times and asked for this incorrect information to be removed from my credit report several times as well. XXXXTRANSUNION refuse to remove this information. 

XXXX XXXX XXXX XXXX NEVER INSTALLED XXXX XXXX  on my property at XXXX XXXX XXXX and refused to cancel this debt for XXXX long years AND refuse to remove the INCORRECT " unpaid balance-charged off '' status from my credit report. 

XXXXTransunion are reporting a {$19000.00} charge off amount for product/services that i never received. The installation NEVER took place. I do not have XXXX XXXX 


My credit score has been adversely affected for XXXX long years. XXXX XXXX canceled the debt in XXXX and refuses to update XXXX. I have informed XXXX that i never received XXXX XXXX from this company many times and they refuse to remove this incorrect information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act XXXX account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

This is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX LA XXXX XXXX XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Date XXXX : XX/XX/2017 Balance : {$0.00}
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 Experian credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX XXXX, 2022, I received an email purporting to be from Experian, notifying me that the email address / user name associated with my account had been changed. I did not initiate the change, and I did not recognize the new email address. 
I attempted to log on to www.experian.com, but my user name and password were not accepted. The email they sent invited me to click a link for their Membership Support desk to report the problem, but I did not want to click a link in an email that might itself be fraudulent. ( I did send an email to XXXX, but not via that link. ) I also called the number listed on their website, but was unable to get to the Fraud Dept. or past the automated menu at all. Finally, I found a membership customer support number and called that, and I spoke with a woman who asked questions to verify my identity, and who reestablished my correct email address / user name. I changed all the relevant passwords and placed a fraud alert on my account. 
However, in the hours since that time, I have received further suspicious emails purporting to be from Experian, and I have tried contacting their Fraud Dept. by phone over a dozen times, but I have been unable to reach anyone. It is exceptionally difficult to locate an option for freezing one 's credit on their website, and when I finally found and filled out such a request, it was denied. Ultimately, I tried several more calls ; their automated service hung up on me several times, said it was not possible to connect me to a representative or specialist a few times, and generally made it all but impossible to take control of or even report a possible urgent identity theft problem. 
By sheer persistence and by navigating the automated menu in a variety of ways, I finally heard an option to freeze my credit report with Experian, and I said yes. I was given a confirmation number, but I was also told they would send an email with the necessary PIN number for managing the freeze. I have not yet received that email! 
By contrast, I logged on to both XXXX 's and XXXX 's web sites, and I was easily able to place a freeze on my credit report ; I received immediate email confirmation of having done so. 
These companies have FAR too much control over our lives to be so lax, so inattentive, so unnavigable in the face of fraud and identity theft, which are some of the most pressing problems American consumers face. Experian should be censured, or better yet put out of business for practices like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT LETTERS TO THESE CREDITORS ABOUJT INQUIRIES THAT SHOULD NOT BE ON MY CREDIT REPORTS. I NEVER DID BUSINESS WIHT THESE CREDITORS AND I DID NOT AUTHORIZE THESE CREDITORS TO ADD THESE INQUIRIES ON MY CREDIT REPORTS.