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

There are several items that are reporting inaccurately on my credit file.The following are inaccurate information : Inaccurate Personal Information : Address : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX The following items are reporting inaccurate lates on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$230.00} ; I was never 30, 60, 0r 90 days late. 

XXXX XXXX - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  & Equifax ) ; Bal : {$0.00} ; I was never 30 or 60 days late. 

XXXX XXXX  - Date Open : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  & Equifax ) ;  Bal : {$0.00} ; I was never 30 or 60 days late The following Public Record does not belong to me. The following Public record is reporting in error : Chapter XXXX Bankruptcy : File XX/XX/XXXX All of the inquiries that is reporting is reporting as unauthorized inquiries. I don't know who tried to access my credit report without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Acct # XXXX. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Checking or savings account

Ref : Consumer Financial Protection Bureau ( CFPB ) Case XXXX On FOUR occasions now, I have tried unsuccessfully to withdraw money from my SUNTRUST checking account from their ATM located at XXXX XXXX ( XXXX XXXX # XXXX ), XXXX, FL XXXX. Each time, I was preceded by XXXX cars who also were unable to withdraw cash. Each time, the majority of us drove to the next door XXXX XXXX branch ( XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX ) ..., and were charged an ATM fee. While I eventually was able to get SUNTRUST to refund the charges, they : a ) Should never have been applied, because my account is supposedly eligible to have " up to 3 ATM fees waived for non-SUNTRUST ATMs. '' This is how Mrs. XXXX XXXX ( Assistant VP of Executive Services at SUNTRUST ) explained in a letter to me, in response to the REF CFPB Case number above. 

b ) Should never have happened if SUNTRUST would service their machines and load cash ..., like other nearby banks do. 

The dates and locations where these events occurred were as follows : XXXX XX/XX/2021 : Attempted an ATM withdrawal at XXXX ( when the bank was open ) but the transaction was canceled because the machine was already out of cash. I was forced to go inside the bank to withdraw cash in person. When I complained about the ATM being out of order, the cashier did not even try to see if there was a problem with the machine. 

XX/XX/2021 : ATM CASH WITHDRAWAL XXXX XXXX XXXX ; {$3.00} ATM fee. 
* Attempted to withdraw cash from SunTrust XXXX XXXX # XXXX, XXXX XXXX, XXXX, FL XXXX without success. 
** Used XXXX XXXX XXXX ( XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) to withdraw money. 

XXXX XX/XX/2021 : ATM CASH WITHDRAWAL XXXX XXXX XXXX ; {$3.00} ATM fee. 
* Attempted to withdraw cash from SunTrust XXXX XXXX # XXXX, XXXX XXXX, XXXX, FL XXXX without success. 
** Used XXXX XXXX XXXX  ( XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) to withdraw money. 

XXXX XX/XX/2021 : ATM CASH WITHDRAWAL XXXX XXXX XXXX ; {$3.00} ATM fee. 
Attempted to withdraw cash from SunTrust XXXX XXXX # XXXX, XXXX XXXX, XXXX, FL XXXX ** Went to XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, Sun XXXX XXXX, FL XXXX ). 

My main complaint is that SUNTRUST appears to be unduly enriching themselves by either understocking their ATMs or purposely not maintaining their machines in order to charge more ATM fees. Counting just the people who where in front of me on the four listed times above, the XXXX SUNTRUST gained at least {$30.00} in charges to customer accounts. I'm sure this amount is many times under the actual number of people who tried ( and failed ) to withdraw money on these dates. 

I would like SUNTRUST audited, especially the bank branch at SunTrust XXXX XXXX # XXXX, XXXX XXXX, XXXX, FL XXXX. This branch 's ATM in particular seems to always be down or out of money ..., even minutes after they close or open for service. I wouldn't use the term FRAUD, but there seems to be some surface-level type hijinks going on that is costing consumers some serious money.
Product: Debt collection

Credence Resource Management ( CRM ) has been reporting a collection account from XXXX XXXX XXXX XXXX in the amount of {$1600.00} to all 3 credit bureaus on my name since XX/XX/2017. The XXXX XXXX XXXX balance was settled DIRECTLY with XXXX XXXX XXXX in payments over the last few months and closed.

Credence has been inaccurately reporting this account on my credit report as a collection and I want this reporting deleted immediately.
Product: Credit reporting or other personal consumer reports

Im filing this report today because I was the victim of identity theft. An individual, entity, company or corporation has opened accounts without my knowledge. They enriched themselves on my credit without my knowledge, consent or authority. The following accounts are tied to the identity theft and are in such fraudulent. I need the following account ( s ) removed or blocked from my credit report. Im aware that filing a false identity theft report opens me up to possible criminal & civil penalties. I understand under the penalty of perjury Im liable for such statements. This statement is my factual understating of the events : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was pre-approved for {$1500.00} on CreditKarma.com and so was my husband from XXXX XXXX. We already had a title loan with XXXX XXXX. This was not XXXX XXXX 's fault. It was Credit Karma. It said we both were pre-approved and we applied and got denied and our credit score went down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan out with credit Acceptance. I have called them about reporting a late payment on my account that wasnt correct and when I called the lady wa every rude too me, and told me that everything that they report is always correct. I went on their website looked at reviews and noticed it has happened to a lot of people. In XXXX they said I was late 30-59 days. I have two payments in XXXX one on the XXXX and another one on the XXXX. I have pictures on my phone the two times I paid. The lady wouldnt even look up my account she was just flat out rude.
Product: Money transfer, virtual currency, or money service

Sent money to XXXX XXXX via XXXX for XXXX XXXX XXXX XXXX. they then sent we this tracking number XXXX to this site XXXX XXXX XXXX. they then demanded over {$500.00} more dollars to release from XXXX. All of it is fake
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022, XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts 

Creditor name: XXXX XXXX XXXX  Amount: $29,518
Date Opened: SEP 11, 2016

Creditor name: XXXX XXXX XXXX
Amount: $5,583
Date Opened: SEP 21, 2020

Creditor name: LVNV FUNDING LLC
Amount: $323
Date Opened: AUG 20, 2019
Product: Checking or savings account

I was short XXXX in my checking account and Truist Bank charged me {$72.00} in overdraft fees. 

On XX/XX/2022, there was a positive balance in my checking account in the amount of {$120.00}. A transaction in the amount of {$46.00} was posted on my account on the same day, and the bank charged me a fee of {$36.00} even though my account still had a positive balance of {$120.00} on XX/XX/XXXX. 

Why did this bank charged me a fee there was a positive amount in my account on XX/XX/XXXX? 

On XX/XX/XXXX, another transaction was posted in the amount of {$38.00}, and another on the same date of {$41.00}. My bank charged an additional fee of {$36.00}. 

The way Truist Bank somehow fixed this so that I would be charged these fees is very concerning regardless that there were funds available in my account on XX/XX/XXXX, to cover the first transaction of {$46.00} I called XXXX XXXX, the branch manager at XXXX XXXX, SC location to inquire about these fees and he told me he was unable to remove them and that he needed to escalate an email to a higher department regarding these fees. 

I get direct deposit of my Social Security retirement and since I have bills that are automatically deducted this is going to cause additional fees because of the {$72.00} that the bank will take from my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I have recently discovered unauthorized accounts listed on my credit report that are associated with your agency. After conducting a thorough review of my credit history, I have reason to believe that my personal information has been compromised, resulting in fraudulent activity. As such, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, as a consumer, I have the right to request verification of any alleged debts associated with my name. Section 609 ( a ) ( 1 ) of the FCRA states that " A consumer reporting agency shall, in response to a request by a consumer, provide to the consumer any information in the consumer 's file at the time of the request. '' Therefore, I hereby request that you provide me with detailed documentation and verification of each account, as outlined below : 1. The original creditor 's name and contact information. 
2. The date the alleged debt was incurred.

3. The nature and purpose of the debt.

4. Complete payment history and transaction details.

5. Any agreements or contracts bearing my signature. 

Failure to comply with the verification request within 30 days, as outlined in Section 611 ( a ) ( 1 ) ( A ) of the FCRA, will result in a violation of federal law. In case of non-compliance, I will pursue all available remedies under the FCRA, including but not limited to reporting the violation to the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action. 

Furthermore, I request that you immediately cease all collection activities related to the disputed accounts until the verification process is completed. Section 809 ( b ) of the FDCPA states that " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt. '' Additionally, I am invoking my rights under Section 605B of the FCRA, which states that if a consumer submits an identity theft report to a consumer reporting agency and provides a copy to a debt collector, the debt collector must block the reporting of any information relating to the identity theft. I have attached a copy of the identity theft report for your reference. 

I expect a prompt response within 30 days of your receipt of this letter. Please provide all requested documentation and information to me at the address listed above. Failure to comply with these requests will be considered a violation of the FCRA, and appropriate action will be taken. 

Thank you for your immediate attention to this matter. Please ensure that all communication is in writing and sent via certified mail to maintain a clear record of our correspondence. 

XXXX XXXX XXXX
Product: Student loan

I started making payments on my student loans when repayment started in XX/XX/year>. I am on the new XXXX plan which cancels out any remaining interest when payments are made on time. I have made every payment on time as instructed and my interest is still going up. When I inquired about this through email and calls, I received conflicting information, but none of the information was consistent with the government XXXX plan that I am currently on. My interest should not be accruing as it currently is. My balance should be the same as it was in XXXX prior to payments restarting based on information from student loans.gov. I have tried to get the money refunded, and I am always told something different from EDfinancial each time, but I never get a resolution. I would like my money refunded as this is fraud.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX  XXXX Balance Owed : {$780.00} AFFIRM INC XXXX Balance Owed : {$400.00} AFFIRM INC XXXX Balance Owed : {$190.00} AFFIRM INC XXXX** Balance Owed : {$340.00} AFFIRM INC XXXX Balance Owed : {$130.00} AFFIRM INC XXXX Balance Owed : {$210.00} AFFIRM INC XXXX Balance Owed : {$620.00} XXXX XXXX XXXX Balance Owed : {$880.00}
Product: Checking or savings account

Wells fargo bank over drafted my account due to a fraud on XX/XX/XXXX and the XXXX. I didnt know untiil XX/XX/XXXX. I was not alerted. I was in the negative of XXXX i had and amoint of XXXX because i was moving my money yo another bank due to their lies and mistakes. I found out that someone used my account and left me in the neagtive. I reported it. I won my case but they used my credit or money i won to pay for the negative balance. I recieved a. Credit of XXXX but they used XXXX to put my balance back and it left me with XXXX they said i should be happy i won and that i can not dispute what they did. This wells fargo behavior is not a suprise but in the end i still paid with the money i got back. Please help me get this amount back.
Product: Credit card or prepaid card

For the past 4 months I have been trying to tell USAA that the collection company they hired sent the ACCOUNT back to USAA. I even sent USAA the CFPB complaint letter that XXXX sent me saying they sent the ACCOUNT back to USAA. The office of the CEO at USAA is refusing to take care of my request to settle the account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I visited your dealership to explore the new XXXX XXXX XXXX. I was assisted by XXXX XXXX, who mentioned he was in training and had only been working there for XXXX months. XXXX was transparent and courteous, providing a thorough overview of the cars features and allowing me to take it for a test drive.

Upon returning to the dealership, we sat down to discuss pricing. XXXX presented the price and mentioned he needed to check my XXXX XXXX. At no point was I presented with a form authorizing a credit check, nor did I provide my social security number. Despite this, XXXX and his sales XXXX, XXXX XXXX, explained my credit score and offered a financing rate of XXXX  % on a {$XXXX} car. I was taken aback by the high rate. 

After negotiating, the price was lowered to {$XXXX} but still at the XXXX  % rate. I was confused and concerned about how they managed to run my credit without my permission, as this is illegal. Despite XXXX insistence on finalizing the deal, I chose to leave without signing any documents. 

Upon departure, I was given two copies of my credit score : one from TransUnion and the other a XXXX XXXX XXXX XXXX XXXX. This indicates that not XXXX, but XXXX unauthorized credit checks were conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation of a debt listed on my credit report from University of XXXX also listing their information as XXXX. I have never borrowed any sum of money from the University and I have asked them numerous times to prove the loan source. None of this information is listed with the Department of Education which is the actual lender for school settings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What thXXXX XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has sent me multiple false bills detailing a fake emergency room visit and debt from that visit. They claim I owe a debt to a fake doctors group called Pendrick Capital Partners and call me incessantly and send bills saying it will go on my credit. I have called XXXX XXXX Hospital Emergency room billing and they called this company and was asked to stop sending me bills. 
The company is still claiming I owe a bill but the hospital says there is no record of outstanding unpaid medical fee. This is a really aggressive hoax and its all over the internet that they have tried to scam others this way.
Product: Vehicle loan or lease

hello sir or madam, as I informed you in my previous complaint, taking advantage of XXXX XXXX XXXX XXXX XXXX, the contract negotiated with the dealer includes many points of which I was not aware before signing the contract. car loan. apart from the insurance which was unfairly imposed on me, there are also the conditions of the contract which I find abusive on the interest rate of which I was never aware before the situation of the contract, my credit score and the conditions to have insurance because there is any risk. I no longer wish to continue with this contract. I would like to know the possibilities of terminating this contract as soon as possible and see how to terminate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Item from XXXX XXXX under XXXX XXXX for {$4200.00} placed on my credit dated XX/XX/2019 that does not belong to me and no correspondence was sent to me to inform me of this prior to damaging my credit with this incorrect information. I have disputed it with the bureau and the collector and the collector has not responded and can not verify the information.
Product: Credit reporting or other personal consumer reports

I have received your computer generated letter stating investigation of my credit reports because, in your opinion was sent by a third-party credit repair agency. Not only do I be this was strategy to grant you an additional 30 days. I also believe it to be a blatant violation of the FCRA. I provided my state issued ID, Social Security card as well proof of residence so that it would be no confusion. ThatI questioned the accuracy of a few items quest was written by me and mailed by me not third-party agency or anyone else. Please stop with thestall tactics. 

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 XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
Product: Vehicle loan or lease

This is back in XXXX XXXX Virginia where me and my wife were going to check out a dealership called XXXX XXXX that was sending advertisements in the mail. We were gon na trade in our car for a more newer one. We were given an offer for them to buy our car and sell us a newer one. But at a much higher price. We did end up signing some paper work for them to see my credit score and see what they can do. Was n't good enough so we wanted to leave. They keeped pressuring us to do it and to use our credit cards or to contact family for money. After six hours trying to leave we had enough and told them no and asked for our keys back. They did not look happy. A day or two goes by and I check my credit score showing it went down about 35 to 40 points because I had two hard pulls from two different creditors for the used vehicle loan. It said I was denied when I did n't even go through with the dealership. Oh they also had me try to get a loan from XXXX so I also have that on XXXX credit score. Three hard pulls on the same day. One from XXXX XXXX, another from XXXX XXXX CO, and the last one from XXXX. All on the XXXX XXXX 2017. There is no amount because I was denied.