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

I. XX/XX/2021 I was unable to login in to my account and was ask to call the bank and when I did I was told they couldnt tell me why it was locked but that I needed to go by a branch to prove my id. I told them that this was hard to do since Suntrust had closed a number on there branches and that the closest one for me was 45 minutes away. I did make the drive and the teller was able to unlock the account but again I was told they could not tell me why the account was locked. I then went to a BB & T because the Suntrust branch shares and branch manager, again I was told they could not tel me why it was locked. In XX/XX/2021 I was notified by XXXX  that someone had opened an account using my SS number and after some research I found out this had happened on XX/XX/2021. I called Suntrust and again I was told that they couldnt give me any information. I have filed an police report but havent heard anything back yet from Suntrust or from the police. 

I would like some answers but Suntrust will not give them to me.
Product: Credit card

I have been building my credit and paying my card on time for the past 4 years with capital one. I have 2 accounts with them one platinum and one quick silver. I have encountered identity theft and there has been 2 accounts that I did not authorize to make payments on my behalf nor have any relation to. I have called both bank accounts to submit a letter to capital one stating that i do not have any accounts with them. I only have a small credit limit as I'm building my credit up and to have multiple fraudulent payments and multiple bounces on an account I do not have access to why was I not alerted of any of this going on. This happened for 2 months XXXX through XXXX. 
I have called and reported the fraud, they sent out a new card but then closed my account with no explanation and no investigation.
Product: Debt collection

requested actual signed contract with my signature XXXX and capital one have not sent me that contract as of todayXX/XX/2018 I filed with the XXXX a complaint case XXXX even they could not get a contract. XX/XX/XXXX claims verified but I requested a copy of there investigation they also claimed they would send a copy of there response by mail never did I waited the extra 10 day for there letter never came .I have been trying to get this matter settled for over 90 days with no luck to show its even my account I feel my rights are being violated to this point capital one refuse any information enclosed is my XXXX case file to be down loaded I do not owe anything on this account I did offer a settlment to have this removed from my report completely is account even tho its not mine, My settlement offer still stands that I sent them {$300.00} dollars. a restricted offer 22 pages they sold contract to portifolio recovery equifax in there dispute asked i contact capital one i did refusal to comply by them
Product: Credit card

On XX/XX/year> I was alerted of a fraud request for a credit card. I called Citi and they cancelled the request for a master card. I have since notified all 3 credit agencies of the Fraud and my credit has been put on watch for 1 year. I want to make this permanent as if the scammer knows my SSN and my date of birth I am concerned what else they can do knowing this personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed my mortgage name XXXX XXXX  XXXX Mortgage account number is XXXX from my credit report by mistake need to be added back on, and refuse to correct the spelling of my name. See copy of my mortgage statement and Driving License to update my informations. 

CREDIT REPORT/myEQUIFAX saying about my mortgage account : Mortgage Accounts Report Date : XX/XX/2022 Mortgage accounts are real estate loans that require payment on a monthly basis until the loan is paid off. 
You currently do not have a Mortgage Account. 

If you have had one in the past that you paid on as agreed, but have since closed or paid off, it stays on your credit report for up to 10 years since the last activity date.
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below for several times and talked to them about the issues with my account as reported by the BSI FINANCIAL SERVICES. 
They have advised me that they will remove the late payments and will correct the credit report accordingly and accurately, however, as I reviewed my recent report the accounts are still reporting inaccurately. I am not sure how the BSI FINANCIAL SERVICES came up with this remark. They have failed to reinvestigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have also attached in this complaint the response from the company to remove the late payments.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXX On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and I do not recognize nor did I authorize the following Inquiries listed below! 
XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
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. 



XXXX : # XXXXXXXX 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 XXXXXXXX, 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 or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Number : XXXX
Product: Student loan

I obtained the student loans originally through XXXX XXXX in 2007. Upon my leaving school I began receiving correspondence from XXXX XXXX for a few years. Each time I asked for deferment I was sent the appropriate paperwork and the deferment was approved. Once Navient obtained my student loan account I requested a deferment, submitted the necessary information regarding wages and living expenses only to continue to receive correspondence requesting additional information. My user information was continuously changed in their system and I was never able to log in to the Navient website to view information they claimed was pertinent to my account. Now I am so far in debt and marks are on my credit report that there is nothing I am able to do to rectify the situation.
Product: Checking or savings account

USAA has a overdraft protection program that is wreckless with people, mostly veterans and military who bank with them. 

For XXXX USAA has charged a total of {$380.00} dollars on overdraft fees. 

For XXXX USAA charged me a total of plus {$700.00} dollars. 

However, the way the interface of phone app and online website accounts are set up are different than what they see to process NSF fees. 

I could see I have money to cover those expenses. However, they see a different amount resulting in charging NSF. 

It is unfair to charge someone NSF when the individual is not able to see the true amount of money they have in the accounts to make informed purchases and informed transfers to cover a bill pending to post.
Product: Credit reporting or other personal consumer reports

My husband and I sold our mortgage with XXXX XXXX XXXX XXXX XXXX XXXX loan # XXXX ) on XXXX XX/XX/year>. However, the buyer 's financial institution ( XXXX XXXX XXXX ) did not pay off, within a reasonable time, our outstanding mortgage balance with XXXX. Naturally, XXXX kept sending mortgage statements and reported late payments to the credit bureaus. We contacted XXXX multiple times throughout XXXX and XXXX letting them know about the house sale. This has adversely impacted our credit report with delinquent payments. 

Before I proceed with a legal route against XXXX XXXX XXXX due to fiduciary negligence ( for holding our house sale money and negligently paying off our mortgage balance two months late ), I want to seek a resolution by removing all mortgage late payments marks from our credit report since we did not own the house ( asset ) after XXXX XX/XX/year> and it was XXXX XXXX XXXX fiduciary duty to cancel our mortgage with XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. 
The information listed below, which appears on my credit report, does not relate to any transaction that I have made. 
Identify inquiry resulting from identity theft that must be deleted. 

XXXXXXXX XXXX XXXXXXXX INQUIRY DATE XX/XX/year> XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/year> XXXX
Product: Debt collection

On XX/XX/XXXX at XXXX I contacted J & L Teamworks regarding my credit report. I spoke with XXXX. I told her I had XXXX accounts on my credit report from them with a XXXX balance appearing on XXXX but balances owed on XXXX and XXXX. She said she would give it to her supervisor for resolution yet here we are XX/XX/XXXX with no resolution. On this call she also said I had an open balance with them for {$130.00} from our local hospital XXXX XXXX. I immediately looked at my bank account and I had paid XXXX and possessed the cancelled check. In addition, I phoned XXXX 's accounts receivable department and they confirmed there was not outstanding balance. Again, she said she would tell the supervisor and get back to me. I have now received another collection letter from J & L Teamworks for the same {$130.00}. I just phone dJ & L and spoke with a XXXX. He said the {$130.00} is still due. I explained the above information and said he would look into it, that no one by the name of XXXX has ever worked there, then he proceeded to advise me there was over {$3000.00} of additional invoices due dating back to XX/XX/XXXX all under my wife 's name. I told him that was incorrect also. I asked him to email me the invoices and he refused. 
I have dealt with J & L Teamworks over the years as our local hospital XXXX sends all of their collections to them right at the 30 days due mark. J & L Teamworks using harassing tactics and bullies their debtors as well as never following through on what they say they will do, as exemplified above. They are very fast to report inaccurate information on a debtors credit bureau as a leverage tactic, but never seem to get around to fixing the incorrect reporting. This company needs to be fined and put out of business. 
Finally, they broke the HIPA laws by reviewing these " so called '' outstanding bills with me, when the account is under my wife, XXXX XXXX 's name. 
I respectfully request that the CFPB contact them, get these items removed from my credit bureau as I was promised and provide a full and detailed list of these supposed past due bills amounting to {$3000.00} from XXXX. 
Thank you
Product: Checking or savings account

After already filing a complaint against the bank regarding fees finally the appropriate actions were taken and my account was reversed fees. I was negative XXXX and recently made a XXXX dollar deposit to help maintain my account as I can with only limited income of XXXX  and also being laid off from work due to the covid 19 crisis. Now the bank has closed my account and blocked access to my account. They allege i can view my account statement via my online account or kobile app but they have restricted my account access as shown in the attached photos time stamped as well.
Product: Credit reporting

I have never received a bill from this place and do n't know what kind of service they provide. What ever the bill should hve been sent to my insurance which would be XXXX for life.
Product: Debt collection

On or around XX/XX/XXXX, I contacted XXXX XXXX XXXX/Pendrick Capital Partners in dispute of a debt from XX/XX/XXXX in the amount of {$370.00}. In their letter dated XX/XX/XXXX, XXXX states " Unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. '' During my phone conversation with Mr. XXXX XXXX I firmly disputed this alleged debt as I had previously disputed this debt in XXXX/XXXX. 

Unfortunately a physician group XXXX XXXX of XXXX TX under the license of XXXX XXXX XXXX upcoded a visit for a simple XXXX ( normally coded as XXXX that was upcoded to XXXX please see the following for an explanation of coding https : XXXX ; XXXX XXXX  : XXXX. ) MrXXXX XXXX indicated he would send me a copy of the original bill and suggested I contact XXXX XXXX to resolve the situation. In the meantime, I was not to worry and I would be able to resolve the issue without fear of damage to my credit file. Despite my original dispute and reflecting to XXXX and Pendrick Capital Partners that I firmly dispute the charges as I did not receive the services claimed, the disputed debt was reported to credit agencies ( XXXX ) as of XX/XX/XXXX. I immediately contacted this collection agency to ask this information be removed from my credit file. The " Manager '' indicated that XXXX had the right to update my credit file at any time and queried how could I " prove '' I was upcoded. He refused to remove the inaccurate information from my credit file at which time I told him I would be exercising state and federal remedies available to me. My credit is now damaged as a result of fraudulent upcoding and a collections agency using predatory collections practices to strong arm individuals into payment.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are consumer reporting agencies and have a responsibility to be fair, impartial and respect consumers right to privacy. 
I have the right to make sure my private information isnt shared. Privacy Act of 1974. 

Firstly, there are multiple non-mailable addresses on all of the reports. I only have one address of which i can receive mail and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all other addresses are to be DELETED. You are putting me at risk for identity theft. XXXX especially!! 

All phone numbers across all reports are to be DELETED. I DO NOT authorize my private phone number to be shared. 

Secondly, reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not only a HIPPA Violation, but charged off to a 3rd party and considered to be a certificate of indebtedness which is considered income per the IRS. It is illegal to report income on a consumer report. Its also a violation of the Privacy Act of 1974 ( 5 USC 552a ) to record medical history on a consumer report. DELETE the account from all 3 reports. 

XXXX XXXX XXXX XXXX XXXX XXXX  is reporting income as well as a violation of 15 USC 1681c. No adverse items or derogatory marks should be on the consumer report. This goes for XXXX XXXX XXXX XXXX XXXX XXXX as well. DELETE both accounts from all 3 reports.

15 USC 1681a ( 2 ) tells us that reporting transaction history between a consumer and the person making the report is illegal. Therefore, all transaction history ( 2 year payment history lines ) should be removed from every remaining account on my consumer report ; across all 3 reports. 

Finally, I have attached letters opting out of credit reporting for the following companies.. 
XXXX XXXX XXXX XXXX XXXX These companies do not have permission to report on my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have provided applicable laws and evidence of inaccuracies. The LAW says the reports have to be accurate and complete. And they are clearly not. Continuing to report these accounts or updating them with investigation methods provided by law will be considered WILLFUL NEGLIGENCE. **
Product: Credit card

On XXXX XX/XX/2022, a Text message arrived. from XXXX. XXXX Fortiva Alert : Welcome to the Fortiva Retail Credit Family! Please visit www.myfortiva.com/XXXX to manage your account. Reply STOP to stop messages. " The phone number was not listed on the internet. Fortiva Retail Credit Family was listed under XXXX XXXX XXXX XXXX XXXXXXXX. They were contacted and referred to XXXX. The woman confirmed an account had the phone number. She just wanted to delete the phone number. I asked for the Fraud department. I think she put her coworker on phone. He did not create a tracking number. Just wanted to delete the phone number and did not offer any additional information other than some had an account with the number. He asked if anyone had access to my phone number? They both refused to provide any information about the person. Neither provided a tracking number which would suggest an investigation was happening and could be referred to when calling back. I don't know if this is a simple mistake or if I've a real credit /identity theft problem.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

According to FCRC section 605B it is illegal to report anything on my credit report with out my permission, please remove any negative items on my credit report thank you. I have no knowledge of these inquiries or debt collection
Product: Checking or savings account

I was traveling by car with my new debit card on XX/XX/2023. I got gas in the Amount of {$100.00} even. The following day I noticed my account was {$1400.00}, short. Two separate claimes, {$340.00} plus {$1100.00}. In review I noticed there had been several online unfamiliar and unauthorized online charges. I immediately called Navy Federal to report and open a claim. The charges were reversed pending investigation. 

On XX/XX/2023 the charges were added back to my account. I called Navy Federal and I was told the claim was denied. I ask for an explanation and supporting documentation. I was told their was no documentation they could give me. I also wasn't given a reason for the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response from XXXX on a dispute. They stated they made corrections or deleted incorrect information! However, this is incorrect. The name on the information mailed to me is not a legal name associated to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to furnish XXXX consumer report online at XXXX