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

I AM A VICTIM OF IDENTY THEFT. 
Specifically, on XX/XX/XXXX. 2021, 4 accounts were fraudulently opened at SunTrust Bank, now TRUIST, in my name with ZERO balances and were immediately overdrawn by {$100.00} - {$200.00} each as cited herein : XXXX ( CHECKING ACCOUNT ) - {$130.00} XXXX ( CHECKING ACCOUNT ) - {$120.00} XXXX ( SAVINGS ACCOUNT ) - {$170.00} XXXX ( SAVINGS ACCOUNT ) - {$160.00} I became aware of this matter on XX/XX/2021 upon written notification from SunTrust requesting I re-pay the overdraft amounts. I notified SunTrust on XX/XX/2021 that I had become a victim of identity theft and I filed an Identity Theft case with them as well as with IDTHEFT.GOV. On XX/XX/2021 SunTrusts Fraud Department provided me with written notification that I was NOT responsible for any of these account transactions. Sun Trusts Customer Relations Department provided me the same release of liability by letter dated XX/XX/2021 wherein I was assured that all 4 accounts had been closed as of XX/XX/2021. 

Sun Trusts statements in the aforementioned letters of XX/XX/2021 and XX/XX/2021 were clearly false and misleading. Specifically, I was subsequently notified ( in writing ) by XXXX XXXX, a debt collection agency, on XX/XX/2021 that at least one of the cited accounts ( XXXX ) had been turned over to them by Sun Trust for collection of {$160.00}. In response, I took the following actions : - I provided XXXX by certified mail the XX/XX/2021 and XX/XX/2021 letters from Sun Trust releasing me of liability. I also requested copies of all documentation received by XXXX from Sun Trust relating to this matter. XXXX has NOT complied with my request to date. 
- I notified Sun Trust that, contrary to their earlier assurances, this matter remained unresolved and I provided Sun Trust a copy of the XXXX letter. 

By letter dated XX/XX/2021, Sun Trust assured me ( again ) that they had notified the collection agency to cease all collection activity for all 4 accounts. 
As before, Sun Trusts statements in their XX/XX/2021 letter were clearly false and misleading as I received a second collection letter from XXXX dated XX/XX/2021 ( account XXXX ) requesting I pay {$150.00}. 

I am filing this complaint to stop the harassment from Sun Trust and XXXX XXXX
Product: Money transfer, virtual currency, or money service

I wish to practice my right as a customer of Chase Bank to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with Chase Bank. 

Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation run by a sophisticated con-artist named XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent persona ( XXXX ).
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report today, leaving me feeling upset and XXXX Please prioritize fixing this issue immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX Account # : XXXX, Account name : XXXX XXXX XXXX Account # : XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX, Account name : XXXX XXXX XXXX XXXX  Account # : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account 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 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: Debt collection

On XX/XX/XXXX I was garnished for {$940.00} at my job for XXXX XXXX XXXX   for a returned check. I know as a matter of fact I went and paid cash to this doctor for this check because I had to pick up my sons contact lenses back in XX/XX/XXXX. I also have been to see this doctor as a patient since this bounced check. However Butler and associates has collected this debt on behalf of Doctor XXXX at XXXX XXXX XXXX XXXX  in XX/XX/XXXXfor {$940.00} and the orginal amount was {$140.00}. When I contacted XXXX XXXX XXXX and told them I was being garnished they told me they did NOT hire an attorney and that long ago it was sent to XXXX. So if my doctor isn't the one who actually sued me and stated this and told me to contact XXXX. My sons contacts back then were ordered and had to be fitted so I know when they told me about that check I paid cash to pick them up, my son wore temporary contacts until I was able to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the fraudulent items in my file that are reporting on Transunion Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXXXXXX XXXX XXXX XXXX and the invalid name XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action
Product: Mortgage

I need assistance with an overpayment made by my servicer XXXX to cover my property taxes for this year. XXXX has taken 2 disbursements in the amount of {$2600.00}, these have been pulled from my escrow account. Since my loan was sold to XXXX near the time off the 1st installment due date- ( 1st Due date XX/XX/XXXX ) the first installment was already covered by XXXX XXXX XXXX 

I have reached out to XXXX county who has provided the information : This is in response to your two email inquiries. As of today, we show that the first installment was paid by XXXX XXXX with EFT payment on XX/XX/XXXX. The second installment was paid by XXXX with check # XXXX for {$2600.00} on XX/XX/XXXX. 



We show that there are no double payments. If your lender states that the check was cashed, please contact your lender, and send us a copy of the front and back of the cancelled check. 



Thank you, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX will not issue a refund for the overpayment they have pulled from my account which was erroneous. They will also not send a copy of a cancelled front and back check to verify the payment was pulled by the County. This essentially is misallocated funds, theft from my account as they have not applied it to a County Tax as they should have. 

Additionally when reaching out to this agency- I have spent more than XXXX hours speaking with staff. I could not be connected to a Supervisor or manager. After requesting a call back customer service agents read notes stating I have been contacted by a supervisor- which is false- I have no record of any calls in my call log on the dates notated. During these calls I also get placed on extended holds and the reps disconnect the line after an hour of waiting. Its as if this agency wants to make you wait so long that you give up on your call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2500.00} ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus there shouldn't be any late payments on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$1400.00}
Product: Credit reporting or other personal consumer reports

This serves as my follow-up submission complaint concerning my prior complaint dated XXXX I am eagerly awaiting an update and the removal of specified items from my credit reports. I anticipate that the items listed in this follow-up complaint will be expunged from my credit reports within the next 15 days. Additionally, I have re-attached my FTC report with reference # XXXX for your reference. The following items are those I expect to be removed from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX : US DEPARTMENT OF EDU XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Debt collection

On XX/XX/XXXX I sent a certified letter to NCC Business Services Inc. which was received on XX/XX/XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe since I never recalled establishing an account NCC Business Services or the creditor in question. NCC Business Services has failed to provide any means of validation. No chain of command, application, or contract, containing my signature has been provided on behalf of NCC Business Services which is required under the court of law. NCC Business Services is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called 4 credit bureaus including the three main ( XXXX, Equifax, XXXX and XXXX ) multiple times over the past several months and never got a response on updating my personal information and/or was told there is nothing they can do about it. I have personal information on my reports that I do not want on there due to it being incorrect and/or completely outdated.

According to the Fair Credit Reporting act 15 USC Code 1681... I have the right to privacy. ( The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ) In addition, according to 15 USC 6802 ... No financial institution is supposed to share my information to third parties including third party companies nor third party people. Nevertheless, especially when the information is wrong and misleading. ( Obligations with respect to disclosures of personal information ) These are very clear violations of my federally protected consumer rights.
Product: Debt collection

Foster and Monroe placed a collection account on my report in XXXX stating that I owed XXXX XXXX XXXX over {$3000.00} well I contacted XXXX  and talked to a lady by the name of XXXX XXXX at XXXX and she said that I didnt have not ever had an account with XXXX XXXX XXXX and gave me the number to XXXX XXXX XXXX who owns supposedly XXXX XXXX XXXX at the following numbers and to let him know the account is inaccurate and that he can contact her. These are the numbers given XXXX and XXXX. XXXX XXXX said to talk to him because he would be able to remove it off of my credit since it is not accurate. She also stated that he could call her and the only account I had was XXXX furniture who is a sister company, but that account is over 2 decades and has been sold numerous times, they also went out of business years ago and I included them in my XXXX  XXXX back in XXXX1 in Texas which she saw. I contacted Foster and Monroe and talked to a XXXX @ XXXX and she said XXXX XXXX was on vacation and she placed a dispute with the company so that he can get back with me but no one has. They have placed said account on my credit without validation of debt. I have never had an account with XXXX and XXXX XXXX verified it. If they ( XXXX XXXX  XXXX ) try to say they sent me a certified letter which seems to be a pattern with them in all the claims I have read against them on the XXXX they consistently state they sent out letter but I have NEVER received one. I can verify it due to I have informed delivery with the USPS and it shows all the mail I ever received for this year with screen shots of all mail as a preview to show what is coming. I am requesting that XXXX XXXX XXXX removed XXXX XXXX XXXX because they are posting fake information in other words fraud. This is all my proof of what XXXX XXXX  XXXX has placed on my report as fraud, fake and wrong information. This unaccredited company has violated my rights as a consumer and I request the account be removed from my XXXX credit report due to failing to adhere to the FCRA guidelines. I have enclosed screen shots of how corrupt XXXX XXXX  XXXX is and the tactics they use repeatedly on others and are doing the same with me. They never validate their collection accounts and leave the consumer in despair. They need to be dealt with in accordance by law.
Product: Debt collection

I am writing to express my extreme dissatisfaction and frustration regarding the fraudulent accounts currently listed on my credit report. It has come to my attention that there are several accounts inaccurately reported under my name, which I strongly suspect to be the result of identity theft or fraudulent activity. XXXX XXXX, XXXX XXXX, and XXXX XXXX
Product: Credit card

I filed my initial complaint on or about XXXX XX/XX/year>. Complaint No. XXXX. On or about XX/XX/year>, AVANT provided its response but failed to explain the issue in question. If late fees were removed from the account why I was forced to make a minimum payment due that included late fees? XXXX payment was late and the payment was made in XXXX. Avant confirmed the removal of late fees but forced me to make a payment in XXXX which included late fees. I spent nearly XXXX hours on the phone with a customer service representative who failed to provide clear explanations and refused to connect to a supervisor saying he or she was not available. I decided to pay off the balance and close the account. AVANT 's response to the previous complaint ( Exhibit XXXX ) explained that a " late fee in the amount of {$39.00} was assessed to their account. Per XXXX XXXX 's request, on XX/XX/year>, an email titled " Your AvantCard Late Fee Waiver Update '' was sent advising that their request to have their late fee waived was approved. The late fee of {$39.00} was credited and will be reflected on their XX/XX/year> billing statement. This did not affect the Total Minimum Payment Due, which is calculated at the end of each billing cycle and can not be changed. '' The total due for XXXX was {$150.00}. This amount consists of a past due amount of {$55.00} ( paid ), {$39.00} ( interest charged ) and {$39.00} late fees, and a minimum payment due of {$94.00}. My question is why minimum payment due still include late fees? I did not get an explanation from AVANT. Why minimum payment due nearly doubled compared to the XXXX payment IF late fees were removed? ( XXXX statement attached as Exhibit XXXX ). Why did Avant consider this a fair billing practice? Now, AVANT is posting additional fees to the account that is closed and paid off without any explanation of how the interest is calculated. I specifically requested to close the account and pay off the total balance due. If the late fee was " credited '' to the account why I was forced to pay it? Customer service failed to explain in a clear manner how the minimum payment for XXXX was calculated ( several different customer service representatives ). There were no additional purchases made on the card. The minimum payment due included late fees. Additionally, I need an explanation of how additional interest is calculated on the closed account with the paid-off balance. It seems that the billing statements lack clear explanations as well as customer service. None of my questions were answered by AVANT in response to my previous complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want theses account deleted : XXXXXXXX XXXX  acct # XXXX, Caravant financial Acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX Acct # XXXX Transunion, XXXX and XXXX was requested to complete an investigation and ensure accuracy of my consumer report. The following accounts per the 3 credit reporting agencies came back verified as accurate. As of XX/XX/XXXX I checked my consumer report and found over 47 inaccuracies concerning these accounts. If all 3 CRAs did an investigation by contacting the same creditor why is it I have 41 inconsistences on my consumer report? I want these items deleted. I am supposed to be protected my the consumer laws : 15 USC1681i ( 5 ) A ) ( i ), FCRA 607b-accuracy of report, 15 USC 1681s-2 ( 8 ) ( E ) ( D ) ( iv ). Please see my consumer report and view all of the inaccurate information that is listed. For XXXX XXXX  Transunion is reporting a 30 day late payment for XX/XX/XXXX and XXXX and XXXX are reporting a 30 day late payment XX/XX/XXXX. XXXX is a closed account however XXXX is reporting an account status as open and Transunion and XXXX is reporting it closed. XXXX XXXX is a closed account however XXXX is reporting an account status as open and Transunion and XXXX is reporting it closed. XXXX XXXX Transunion and XXXX is reporting a high balance of {$1800.00} and XXXX is reporting nothing, Balanced owed Transunion and XXXX is reporting {$1300.00} and XXXX is reporting {$1400.00}. 

I want these items deleted from my consumer report immediately.
Product: Prepaid card

I purchased XXXX American Express XXXX XXXX as XXXX gifts and nobody is abel to use them. I spent {$750.00} dollars and now nobody can use the gift cards and that is unacceptable. I reached out to the company and they were useless and no help. Since they are not helping I would like a refund for my {$750.00} purchase in gift cards. This is not how you do business and I would appreciate to be refunded after I spent my hard earned money plus {$6.00} activation fees for all XXXX cards. I was told we have to wait XXXX hours and they still do not work.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the credit reporting agencies for failing to remove the account XXXX XXXX XXXX XXXX XXXX from my credit report, despite clear evidence of inaccurate and inconsistent reporting in violation of the Fair Credit Reporting Act ( FCRA ). This account is reporting different open dates and different dates last active across each credit bureau, which is a direct violation of the FCRAs requirement for complete and accurate reporting. This account is also reporting 120 days late which is another FDCPA and FCRA violation as collection accounts can not report past due. Additionally, the company has failed to validate this account, and I have documented proof from the XXXX XXXX XXXX XXXX XXXX XXXX  confirming that multiple attempts to obtain a response from the business were unsuccessful. The XXXX has officially closed the complaint as UNANSWERED, and this non-response is now publicly recorded, negatively impacting the company 's rating for the next three years. Furthermore, this account was discharged in bankruptcy, meaning it should not be reporting on my credit file. The company is aware of this, which is why they have refused to respond to validation requests. I am demanding the immediate removal of this unverified, inaccurate, and improperly reported account from my credit report. Failure to comply will result in further legal action against the credit reporting agencies for violating the FCRA and my consumer rights.
Product: Debt collection

Upon checking my credit report I found a fraudulent account from Paradigm Asset Recovery in the amount of XXXX. This account is a result of identity theft and do not belong to me. I have not authorized or did any transactions with Paradigm nor XXXX XXXX whom your company has obtained this fraudulent debt nor have I had any transactions with your company XXXX or XXXX XXXX. I did not open or authorize this account, and I request that it be closed immediately. 
Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the FairCredit Reporting Act, 15U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.