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

Sun Trust Bank.

I deposited multiple checks from an employer. 
One check XXXX {$17.00} was accepted, then a few days later returned due to : Closed Account I was charged a {$12.00} overdraft fee for funds being insufficient. Have had multiple fees at {$36.00} tacked on since. Totaling my account to - {$190.00} Ive spoken on the phone ( multiple times ) with customer service. They have reassured me that the fees would be reversed and my account would be taken back to the positives. But it has yet to happen WEEKS LATER. Today I called and spoke with a manager who refused to offer up a solution.
Product: Credit reporting or other personal consumer reports

I am again requesting the Date of First Delinquency from your office as your company may have been complicit in the re-aging of both accounts listed below. 

1 ) Express 2 ) Victorias Secret I may have to file in a court of law that your agency re-aged the accounts when you sold them to XXXX XXXX. 

Your firm knows or should have known that the 2 accounts are more than XXXX XXXX XXXX. 

I received a response today from a XXXX XXXX stating the 7 year accounts would not be deleted. 

Please do not continue to parrot you sold the accounts because you remain a furnisher of this information to the bureaus on my credit report and I will hold both your firm and XXXX XXXX accountable. 


I want to find the party that re-aged the accounts because It is a very serious violation to re-age an account and then illegally verify when disputed. Additionally, these accounts report with Date of Last payment XX/XX/year> so What is the Date of First Delinquency? 
It is my right as a federally protected consumer to have this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several problems on my credit report. Unauthorized inquiries personal name is wrong previous addresses that are not mine and employers that do not belong to me. Also several accounts that are not mine and charge off and or late paymnets that need to be updated. I have attached a letter explaining this.
Product: Credit reporting or other personal consumer reports

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

In XX/XX/XXXX, Mr. XXXX applied for a mortgage payment modification program due to the death of his spouse and was accepted. Once accepted, the online app said first modification payment due was XX/XX/XXXX and it was made on XX/XX/XXXX. Mr. XXXX made all modifications payments on time for {$1100.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and then canceled the program in XX/XX/XXXX as it appeared to be affecting his credit report. On XX/XX/XXXX, a payment for $ XXXX was made in order to bring what appeared to be a now delinquent and inaccurate account current. 

Last year, Mr. XXXX made {$29000.00} in payments in good faith in order to keep his credit in good standing, which is {$11000.00} OVER his regularly-scheduled payments. 

In XX/XX/XXXX, payments were mismanaged with " applied credits '' after payment increased for escrow adjustment and auto-payments were short of payment. Then Mr. XXXX would receive phone calls saying he's past due so he made additional payments over the phone in good faith in order to keep his credit in good standing and now his credit report is suffering due to payment mismanagement and inaccurate late payment reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a account from XXXX XXXX Bank prime loan credit builder was open without my permission and reported to my XXXX, XXXX and TransUnion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a living real human being ; I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they have violated my rights numerous times. I demand these accounts listed below and inquiries be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX, 2020 XXXX - XXXX XXXX XX/XX/XXXX2016 XXXX XXXX XXXX XX/XX/XXXX2019 XXXX  XXXX XX/XX/XXXX2015 XXXX XXXX XXXX XXXX, 2022 XXXX XXXX, XX/XX/XXXX2022 XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account was created XX/XX/2022, due to identity theft, and as a result it is being reported on my credit report with inaccurate information. Also Experian and XXXX continue to report this inaccurate information, which is a part of identity theft, Police Report attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard credit inquiry, on XX/XX/XXXXXXXX XXXX XXXX used a service, XXXX and information not provided to them to obtain mine and my wife 's credit reports. When questioned about this they apologized for the miscommunication. I 've challenged this inquiry with both XXXX and XXXX in writing to no avail. XXXX and XXXX indicated that I gave verbal consent which I did not which is a lie. XXXX just gave me the running around. XXXX removed the inquiry after I filed a dispute but Equifax and XXXX refused to follow suit.
Product: Debt collection

Failed to verify my identity prior to discussing debt. Additionally claimed I show more accounts than what shows on my CBR. Refused to discuss offer for the accounts I wanted to resolve.
Product: Checking or savings account

On Wednesday the XXXX at approx. XXXXXXXX XXXXXXXX XXXX, my vehicle was broken into my apartment complex 's secure parking garage and my wallet was stolen. My card was used to make a transaction for {$62.00} at XXXX, which was obviously an unauthorized transaction. Chime told me that I would be unable to put in a dispute on the charge until it cleared ( which to me seems crazy in the first place ). Once it cleared, I put in a dispute, and within less than 12 hours Chime came back and said that they believe no error had occurred and they would be denying my dispute. I called support, and got them to re-open the case, and they had me send an email asking to re-open the case. There had been a police report filed, but I did not have access to it at the time. The call agent said that was fine and that I should just send an email now making a request to re-open the dispute case, and provide the further info that my card was stolen and used to make this transaction. I did as instructed and sent the email, as well as texted the detective on my case to ask for a copy of the report. Within less than 4 hours of my call, Chime got back to me and said that my dispute was once again denied despite the new information regarding the break-in.
Product: Credit reporting or other personal consumer reports

1. On XX/XX/XXXX I sent XXXX a letter opting out of reporting. Its been over a month and they are still reporting. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805.

2. Family Educational Rights and Privacy Act ( FERPA ) of 1974. As a federally protected individual under this act, I am entitled to the privacy and confidentiality of my educational records. XXXX continued to violate me by disclosing information without my explicit written consent, in accordance with the provisions outlined in FERPA.. FERPA can be found in 20 usc 1232G and codified in 34 cfr 99.

3. By XXXX still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of 1974, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information by federal agencies, including educational institutions like XXXX. 

4. Please refer to the letter attached for more laws and violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown inquiry on my Equifax credit report from XXXX XXXX XXXX I didnt apply for any services or products its fraud
Product: Checking or savings account

-CITI checking account opened on XXXX XXXX XXXX XXXX Paycheck Direct Deposited on XXXX XX/XX/year> -Due to being in the middle of transferring banks and having auto bill pay setup at old bank, setup a wire transfer on XXXX XX/XX/year> to send the money from my new account at Citi to my XXXX account. 
-Notified on XXXX XX/XX/year> that the wire transfer did not complete -Called customer service over XXXX times with over XXXX hours on hold on XXXX XX/XX/year>. Was informed my account was closed, not given a reason, and that my funds would be mailed to me within 60 days. I asked why my account was closed with no answer. I asked if I could visit a branch ( closest is XXXX hours away ) to receive my funds in person and was not given an answer.
Product: Debt collection

I have NEVER done any type of business or personal correspondence, conversation or email with First Financial Investment Fund about ANY matter AT ANY TIME and am being unfairly targeted. First Financial Investment Fund has obtained my personal information, informed XXXX third parties they were suing me but NEVER INFORMED ME OF ANYTHING AT ANY POINT. I found out I was being sued by First Financial Investment Fund via the law offices of XXXX XXXX XXXX and XXXX XXXX XXXX attorneys at law whom sent me letters offering me legal services because First Financial Investment had given them a court case number to the lawsuit they filed against me. I was never made aware of any suit or any implied debt at all by First Financial Investment Fund and their practices are fraudulent by taking legal action against me over a debt that is invalid and not owed. First Financial Investment Fund is targeting me because I am a single, XXXX female mother who receives government assistance.
Product: Mortgage

On XX/XX/XXXX, I opened a HELOC Account with Suntrust Bank in the amount of {$36000.00}. I used {$31000.00} dollars of that money and left the remaining {$5000.00} in the account. 

On XX/XX/XXXX, I requested the additional {$5000.00} from Suntrust Bank and it was granted. 

The problem is all payments on the {$5000.00} account goes to interest only, although the loans were set for principal and interest applications. I have made all efforts on the phone, by mail, and in person at local branches to correct and resolve this issue. As of today 's date, XX/XX/XXXX, they refuse to make the necessary corrections to apply the payments correctly to and bring the loan balance down. 

First Account in the amount of {$36000.00}, error is made on XX/XX/XXXX, the payment was applied to interest only and on XX/XX/XXXX the payment was applied to principal only Second Account in the amount of {$5000.00}, errors are made from XX/XX/XXXX thru XX/XX/XXXX by applying all my payments to interest only I would like for Truist Bank to make corrections on both accounts and in writing to please provide an explanation and action taking. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Experian is governed by 15 USC 1681.And they violated my rights numerous times. 
I demand the accounts listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish this accounts. 
XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX  BA # XXXX Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 
There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.
Product: Debt collection

I received a notification from my credit monitoring service advising me that a new collection from commonwealth financial systems inc was on my reports. After reviewing my reports, I sent correspondence to Commonwealth Financial Systems Inc requesting validation of this debt since I dont have any outstanding medical bills that I know of. I requested the name of the alleged provider I owe as well as a detailed breakdown of the alleged charges. I also requested a copy of the signed medical release that shows I released my medical information to Commonwealth Financial Systems Inc on this alleged debt. Today I received a response from Commonwealth Financial Systems Inc dated XX/XX/2018 stating that their company is fully compliant with HIPAA requirements concerning privacy of medical records. There is no validation of the alleged debt. The name that the letter is addressed to is incorrect. I believe this company is attempting to take advantage of me and collect funds from me on a debt that is not mine.
Product: Debt collection

Continue to receive phone calls from this company, even though I have taken the required steps to inform them that the number they are calling is not for the person they are attempting to contact. Some XXXX or XXXX XXXX had this number before I did. I have had this number for close to 4 years already.
Product: Credit card

I applied for Chase Saphire Card ( via online on XXXX XXXX 2015 ) for which my wife and myself ( both of us got the invite separately ) got the invite by mail. But i was told that they are reviewing it ... now i come to know that they have declined my credit card application. It never happened to me and i am having a credit score of XXXX with credit card utilization of less than XXXX %. The reason that is provided to me " Too many credit cards opened in the last 2 years '' does n't sound to be convincing at all. When i went to credit bureau website ... i do n't find anything which can substantiate the reason from Chase. what 's going on? Moreover this credit card application had made a hard inquiry on my credit report also which will continue for years. Not at all fair or reasonable. After some time ... i applied XXXX XXXX Credit card - which is very much similar to this one and they approved my card ( it was applied after chase saphire credit card ... so they should not count this one ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The accounts are listed below that need to be repaired in my file : XXXX XXXX XXXX XXXX XXXX : {$12000.00}, XXXX XXXX XXXXXXXX Balance : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX  Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am 120 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 14 and 15 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Debt collection

Castle payday forwarded this debt to a XXXX party XXXX however on Monday XXXX XXXX, 2015 I received a voice mail on my work voice mail by an unidentified company which is the following : Hello this is XXXX XXXX I 'm calling in regards to a formal complaint that 's been filed against a ( My Name ) if you have any information that may lead to the where abouts of this individual please contact our office immediately at XXXX regarding complaint # ( number here ) the next step will be filing the necessary paperwork with the county district court. 

This same exact message was left on my father 's cell phone, my sisters cell phone, my other sisters home phone and the home phone of a close friend as well as my work phone as I mentioned previously. Prior to this I have never been contacted to then suddenly be harassed by XXXX phone calls with my personal information going out within approximately XXXX mins going by. I immediately called back and spoke to a gentleman by the name of XXXX @ extension XXXX, it was at that time I identified the company as XXXX. He told me what Castle Payday authorized him to do. I advised him I 'd call back. I followed up with Castle payday today XXXX/XXXX/15 and was told this was sent to a different company entirely. 

Please assist or advise. 

Thank you
Product: Money transfer, virtual currency, or money service

Issue related to a wire transfer with the company Revolut XXXX. 

XX/XX/2022 : Wire transfer of {$240000.00} made to Revolut. 
XX/XX/2022 : Revolut rejects the funds and claims to have wired them back. 
Multiple attempts were made to obtain a tracking number for the allegedly returned wire transfer and after a week of constantly reaching out to support they have been unable to provide the whereabouts of these funds. 
XX/XX/2022 The funds are still not accounted for.
Product: Credit card or prepaid card

I was charged {$120.00} on XX/XX/20 by XXXX XXXX on my card. This amount is incorrect. I disputed it with CITI and their response was since I didn't have a receipt to prove the correct amount then I had to pay it. It was an online purchase for which I never received a receipt. Furthermore, XXXX XXXX must have not provided a bill receipt either because CITI never provided proof that I approved this charge. I have tried to call XXXX XXXX to get a receipt but I get automated response that because of high call volumes by call can not be completed. I am perplexed how CITI takes the word of a merchant without proof over their own customers. I have attached the only email I received from XXXX XXXX for this purchase. I also attached a receipt from a previous purchase to demonstrate what I should have received or CITI should have requested before settling this dispute.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX auto search and were supposed to get a financed through Whitestone financial and I never ended up receiving the car and never make payments on that vehicle. The vehicle was actually sold to a friend of mine. I asked for A copy of registration Showing were the vehicle is registered to me. The company refused to provide it this is 100 % fraud and I was advised hi my attorney two put in a formal complaint. Before moving on to our next step. And the fact that they report of the payment XX/XX/2015 is 100 % wrong thats when my buddy bought the truck from that dealership. And if youre claiming this was A legitimate loan for a vehicle then why is it when the vehicle was sold to my friend my balance never changed nor was it ever repossessed from me?
Product: Student loan

My loan was transferred to Mohela loan servicing recently. So far, what is listed on my account is incorrect. They have not accounted for all the payments that should be credited toward PLSF. If I want more credited, I would need to provide further proof however, the payments not credited were in the middle of the time that I worked at the qualifying company and can be verified by the employer or through my tax history yet, from what the site says, I need to collect this infomation and provide to them. I should not have to do this, they have access to my tax records and they should be able to verify through that. Additionally, there were instances during this 12 year period I worked for the qualified employer where I made more than my monthly payment + I made some lump sum payments of {$1000.00} to {$5000.00} each toward my loan and those were counted as 1 single payment vs multiple payments to the 120 qualifying payments. 

I have not yet been on a call with this company as each time I have tried to reach out, the wait time has been over an hour to speak with someone. I do not have time during my workday to sit on the phone on hold for over an hour. There is no way to contact them via their website either- you can make selections but their site doesn't allow you to complete sending a secure message unless you are uploading a form to them. This is not the XXXX century! They are limiting how customers can contact them and they have not staffed appropriately in order to handle the call volume which is causing undue hardship on it's customers. 

While the government payment relief is not available and is on pause at this time, the government has extended the payment pause and this is not reflected on my account either- it is still showing that I am in XXXX  through XX/XX/22 and does not show the new XXXX timeline. The site shows me in XXXX however, this is a government mandated XXXX, not a XXXX I placed on myself, that should be updated as well. 

The student loan changes are a nightmare and companies who took the outsourced loans for servicing need to do better as they are only adding fuel to the fire along with unneccessary hardship on their customers!