23daVinci/CFPB_Complaints huggingface dataset:
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 PREFERRED LEASE : # XXXX XXXX XXXX XXXX XXXX : # 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 connot furnish a account without my written instructions 15 U.S.C 1681 C. ( 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, otherthan records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate I would like a full investigation and aalso delete all inaccuracies because i see all in question are all inaccurate i will like all these accounts that aren't mine removed they are putting a strain on my credit and are completely wrong and also are a violation of my rights with wrong addresses and wrong names and completely wrong accounts that i never had at all i want these removed from my credit report immediately and credit immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which 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 Balance : {$1000.00} XXXX  XXXX Balance : {$2600.00} XXXXXXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dispute file previously. Items are still on my report. Contacted Equifax and submitted another dispute and added a freeze to my report. The following items were not authorized by me. 

XXXX XXXX : XX/XX/XXXX Equifax Mortgage XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX
Product: Checking or savings account

Money Lion is failing to cooperate with me at all.. though I'm able to completely verify myself they still do remove the restrictions. I had never made a report on fraud or issue with the account.. to Why do they lock it out for They told me to wait 3 to 5 dayz
Product: Debt collection

I voluntarily relinquished a vehicle that was a lemon years ago that I bought with a loan from XXXX loan at XXXX XXXX in XXXX Co. They sold the car and the remainder of the loan became my debt which Stafford and Associates became the owners of that debt. They contacted me using a name and the gender I no longer use for I had my legal name change and gender marker change completed 8 years ago. I explained to them to use my correct information and I set up a pay arrangement of {$200.00} a month. If I was late one or two days based on my pay dates, they would call me 2-3 times a day using the wrong name and pronouns repeatedly. I made 3 payments and in XXXX I missed my payment because I fell behind. My intention was to call them in the new year now that I have a new job and do a different pay arrangement that I can afford. They called me 4 times on my number and began to call my family in both XXXX and XXXX harassing them for my information. They got a hold of my sisters partner somehow who does not know my gender identity and proceeded to ask for me with the wrong name and pronouns. This is private information that this new family member does not know and was for me to tell not for XXXX or XXXX who called 4 times to my sisters house in XXXX. I have called angrily to Stafford and Associates to all the numbers I have on file and could find letting them know that this was inappropriate and that my private information was not to be shared with anyone.
Product: Credit reporting or other personal consumer reports

I am a victum of XXXX XXXX XXXXXXXX, there has been fraudulent accounts on my consumer report, please see attatched documents below
Product: Bank account or service

SunTrust bank is charging me an account fee of {$25.00} a month. This is contrary to the agreement in place, based upon my overall relationship with the bank. I have complained about at least XXXX times and they take off the fee, but then the charges come back. I should n't have to call and complain every month. SunTrust should have adequate accounting systems in place to abide by their own policies and fee schedules. A recent statement is being submitted as an example.
Product: Credit reporting or other personal consumer reports

After Reviewing my Credit Report with TransUnion I noticed Inquiries on my TransUnion Credit Report that I did not Authorize that are not connect to any account on my credit report by these banks of dates listed, XXXX XXXX Inquires Date XXXX, XXXX XXXX Date XXXX, XXXX XXXX XXXXXXXX Date XXXX, XXXX XXXX XXXX Date XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. According to 15 USC 6802 ( d ) A financial institution shall not disclose, other agency an account number to similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent nor instructions for any inquiry to be allowed to report to TransUnion Credit Bureau. Please verify all written letters. 18 USC 1028A Aggravated Identity theft. TransUnion Credit Bureau has committed a crime according to 18 USC 2028A Aggravated Identity Theft. Please remove all inquiries on my credit Report with TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XX/XX/XXXX, I contacted and logged a dispute with Equifax Credit Bureau about an address appearing on Credit report, that was not my bonifide address of residence or for receiving Mail or Bills in XXXX, Pa, and requested it be removed. 
I was notified by e-mail after a period of time, and confirmed with an agent of Equifax, that the dispute was " resolved ''. When I queried the agent that this address was removed from my report, the answer was " Yes '' On XX/XX/XXXX, The invalid address still appears. When talking to Equifax to find out why, the are very difficult and when they have all the pertinent information about SS as identification of the account insist on other obscure, not readily accessible information from computer before going forward to addressing the failures a year ago. 
They are not cordial when asking for supervisors or have them get on the phone at the time of need. 
They are asleep when our Credit information is hacked, but when a Consumer needs to have a simple issue resolved, its an inquisition.
Product: Credit reporting or other personal consumer reports

Response ( XXXX XXXX XXXX  ) Account Ending In : XXXX Dear XXXX XXXX, Thank you for your correspondence to XXXX XXXX. 

Our records indicate we did not send you a 1099-C form as your account is not eligible to receive one. 

Our banking procedures regarding unsecured lines of credit have been designed to accommodate all our customers and protect our business. Please be assured that XXXX XXXX complies with all regulatory agencies governing our business.

The Cardmember Agreement states that using the Card serves as acceptance of the full terms and are bound to make all payments on time. If you do not make payments on time in accordance with our terms and conditions, the account may be subject to late fees and finance charges being assessed, suspension of charging privileges, a penalty Annual Percentage Rate ( APR ), along with reserving the right to report the account as delinquent to all credit reporting agencies.

We hope this information has been helpful. 


Sincerely, XXXX XXXX XXXX XXXX Executive Assistant  Hello XXXX XXXX, It appears that I have one item ( 1 credit card ( XXXX ) ) on my credit report from your company that have been turned into a charge-off recently. I noticed that your company has never sent me any 1099 concerning the cancellation of the debts Would you be so kind as to send me a 1099 for a Cancellation of Debt of this item, due to my financial hardship. I would greatly appreciate it as Ive gone through a serious financial hardship. And this would greatly help me with my credit in the future.
Product: Debt collection

The collection from National Credit Systems for {$5500.00} was requested to be validated on XX/XX/2018. The 30 day period to validate this debt has expired according to FDCPA. 

This is NOT a failure to pay rent scenario. 

They are trying to collect on renovations that occurred after I moved out. They have NOT been able to provide any receipts for the work that was completed to total the {$5500.00}. 

The rent dispute was handled in court and was dismissed. ( see attached )
Product: Money transfer, virtual currency, or money service

On XX/XX/23 around XXXX to XXXX I tried to deposit {$340.00} into my account, after the atm finish counting my funds! It gave me a {$50.00} dollar bill and XXXX single dollar bills back which left me with {$290.00} to deposit! It then ask me was the amount correct? I picked return my funds back so I can add the {$52.00} back. So I repeated the process and it kept my money and didnt even deposit it in my account, then all of a sudden the atm stopped working then it rebooted! I waited and tried to check my account to see if the money was deposited but it wasnt so thats when I called the number off the but of course its after hours, so XXXX call first thing in the morning. Thanks for your time
Product: Checking or savings account

I am XXXX year old retired elderly woman living on a very small fixed income. I have a bank account with Capital One. I cancelled my services with the XXXX and the XXXX XXXX. Both the XXXX  and the XXXX XXXX said that they closed the account, and no more monthly debits would come out of my Capital One account. That was in XX/XX/2017. When I saw that funds were still being monthly debited from my Capital One account, Capital One said that they stopped payment and no more money wouldn't be debited from my account to XXXX nor the XXXX XXXX. In addition, Capital One issued me a new debit card for my checking account. However, even with the new card and Capital One stating that they stopped payment on the two accounts ( XXXX and XXXX XXXX ) each month funds are still going out XXXX  and XXXX XXXX.

I don't understand why Capital One is working for these two merchants against their own customer who they promised that they would stop payment.

Capital One is taking money out of my account unauthorized after I told them to stop payment to those two merchants back in XX/XX/XXXX, and Capital One issued me a new card saying that they stopped payment and it won't happen again.

There are some days that I can not eat because I relied on Capital One 's statement to me that they cancelled those two merchants from my account. Capital One has caused me so much problems leading to even physical problems for this unnecessary stress.
Product: Credit card or prepaid card

today on XX/XX/XXXX XXXX  2023. I contacted Netspend about a prepaid, debit visa card given to me as a graduation gift. After calling netspend a multitude of times, I was asked the same questions over and over again saying that my information was protected by the patriot act however, after consulting with my father and his attorney, I realized that the information that I gave to netspend could be used for fraudulent activity, and I wanted to file a complaint, and potentially in the future, if my information is used, a civil suit against them. They are known to withhold money from clients and also use their clients information to conduct fraudulent activity. I wanted to get in front of it and make a complaint before that was able to happen because they have my Social Security number. They asked for personal documents to be sent and which was a red flag and that is why I am contacting CFBP. I asked multiple times on the phone of why they needed this information and they just kept saying that was protected by the US patriot act. They never gave me any answer, and basically said that the card would never be activated if I didnt give them, proof of residency, a picture of my drivers license, and a picture of my Social Security card, please let me know what to do. I am interested in potentially filing a civil suit.
Product: Credit reporting or other personal consumer reports

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 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 XXXX XXXX XXXX XXXX XXXX has violated my rights . 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Payday loan, title loan, or personal loan

In XXXX  my now deceased parents got a loan from SunTrust ( now Truist ) to buy a new vehicle using the house as collateral. They paid this loan off early after SunTrust raised the payment without just cause. My stepfather XXXX XXXX paid the last XXXX XXXX of the loan at once to satisfy the loan debt completely. However, SunTrust never removed the XXXX on the house without our knowledge. Now, both my parents are deceased and I'm in the process of closing a sale on the house to save it from foreclosure. However, I can't, because Truist is attempting to collect XXXX $ ( the original principle of the loan I'm pretty sure ) to remove the XXXX. My parents already paid that loan off and we don't owe them a XXXX. For them to attempt to collect XXXX that they are NOT owed should be criminal. They didn't even know about the XXXX until my closing lawyer contacted them about it. I've made several attempts to resolve this but they keep saying they'll contact me back and then just don't. If they don't remove this unjust XXXX that should have been removed over 10 years ago. I will lose the sale and my inherited equity due to the foreclosure.
Product: Mortgage

Got approved for a loan. Did all the paperwork. But I never received the funds nor did any of my debts get paid off by the bank.
Product: Mortgage

I've requested a payoff statement from Roundpoint Mortgage since they took over my loan effective XX/XX/2021 via phone, email, and fax and they have denied my request. They have had my loan for 7 months now and are advising they will not provide me with a payoff unless I sign a revised loan modification that they created. I have been trying to refinance on my existing loan and Roundpoint is stopping me from obtaining the best possible rates as they are still advised they will not provide pay off.
Product: Credit card or prepaid card

FROM : Syncrony Bank XXXX. XXXX XXXX XXXX, FL. 

This card reported that I have a credit score of XXXX from XXXX. I checked online and as my credit standing is XXXX. This score was to be used to determine if I should pay more according to credit rating. If this is not adjusted accordingly within the time allotted as an adjustment to credit score, I will contact the Company ( XXXX XXXX XXXX ) and will let them know of my refusal to the credit card that I received in the mail. Thank you for any information on this matter as this needs to be addressed.
Product: Debt collection

I attended a hospital that was " in network '' due to an emergency back in 2013. This hospital was in-network and selected by myself as we could not afford additional costs associated with non-network service providers. My insurance company at the time was XXXX of AZ. 

During my procedure that followed the emergency room admittance, and without my knowledge or consent I was treated by an non-network anesthesiologist. Later determined as XXXX XXXX. Neither the hospital or XXXX XXXX informed me in advance that he was out of network, and at that time I had no reason to suspect otherwise. 

After the procedure was completed, I was presented with bills from XXXX XXXX that we submitted to my insurance company. On review of the bills by my insurance company, they rejected all due to XXXX XXXX being a non-network provider and stated that I was responsible for it in full. I challenged this as I understand also ( By research ) that there are laws to protect me in this situation. The insurance provider said that they will re-process the charges for payment and requested a co-pay from me ( $ XXXX ). About 2 Months ago my insurance company reverses the decision and issues a refund of my co-pay with no explanation. 

Almost immediately XXXX XXXX proceeds and refers the file to lawyers for debt collections and the pursuit of payment of {$1400.00} and through the lawyers they are threatening legal action and legal judgement against me. I challenge the lawyers because of the events and that I did not agree to these services being performed by him directly and explained everything as I have outlined. The lawyers response was to continue to intimidate and threaten legal action and also referenced that I collected a check from the insurance company ( which was Actually the refund of my co-pay ). 

I proceeded and paid the lawyers ( Under duress due to the continued threats ) the amount in full.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2  STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX BANK XXXX # XXXX Account XXXX : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX A+ 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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I spoke with a customer service representative for Wells Fargo and asked them if I could mobile deposit my fianc check into my account because he doesnt have a active checking account they advised me that it was possible as long as he endorsed it on the back so we followed the instructions and it cleared and I shredded the check as we had no use for it once it posted. On XX/XX/XXXX I got a alert on my account that my account was overdrawn by XXXX dollars due to a duplicate mobile deposit to my account so I called the customer service to investigate and went into the branch and no where does it reflect anywhere on my account or statements since XX/XX/XXXX of a duplicate mobile deposit for the same check that was deposited on XX/XX/XXXX for the amount of {$300.00} dollars. So they said they had 10 days to investigate they sent me a letter stating that the check was now deposited on XX/XX/XXXX into a other account at wells Fargo which is impossible because it was shredded and disposed of almost a year ago. The story doesnt add up because first they stated I mobile deposited it twice and then now someone else who isnt my fianc deposited into a account at Wells Fargo when he doesnt have a account with you and I only have the XXXX checking account how could they have done that without it flagging that the check has already been deposited almost a year ago to my account? How did Wells Fargo create XXXX different scenarios when if someone tried to deposit a duplicate check to their account they would get fined and not the person who it has already posted almost a year ago this is a internal error or fraud Ive spoke with many people who say Wells Fargo has many lawsuits for this type of scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, PayPal/Bill Me Later showed up on my credit report and I did NOT apply for any credit cards through them. I called three ( 3 ) times, and all representatives were extremely disrespectful and refused to help me. Even the manager hung up the phone and told me I had the wrong number, when the number I called is listed on their website. I believe there is fraudulent activity taking place with this company, and I spoke with XXXX at XXXX XXXX. today and was told that PayPal has to issue me a letter of deletion. The PayPal number is XXXX.