23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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: Checking or savings account

This is regarding XXXX XXXX - who merged with First Horizon Bank. On XX/XX/2020, I submitted a 3rd party check for deposit. This was written from my deceased father 's trust account, endorsed by the trustee, my mother. The bank initially credited the account, showing through my online access that the funds had cleared the bank. Therefore, I made substantial and multiple payments based on this information. 

On Monday, XX/XX/2020, I was notified that payments were not processed and that my account was restricted. I spoke with the bank manager who questioned me on why I deposited this check into my personal checking account. I explained that this is from a family trust and that my brothers had no issues depositing the checks of the same nature into their accounts. The branch manager stated that the check needed to be deposited into another trust account. I disputed that and asked for the check to be returned to me. 

The branch manager then stated the check was in processing and would be returned to the institution it was drawn from. He stated that the restriction on my account would be lifted at that time. I asked that the restriction be lifted immediately as I have done nothing wrong or illegal. He stated that won't happen. 

I deposited a cashiers check into the account on XX/XX/2020 to assure funds are available to cover the payments made. The cashier 's check is being held until XX/XX/2020 and the manager refused to release any portion of this deposit. On XX/XX/2020, he still could not tell me when the restriction will be lifted from the account. 

Therefore, I am unable to provide for basic necessities, such as food, gasoline, and to pay bills that are now due. 

At this point, the bank has stolen my money and is holding this hostage for no reason. I need the restriction lifted immediately and to have the cashiers check fully cleared into and credited to my account. This is a reasonable request as the account has never been delinquent and I have held the account for more than 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts working with the credit bureaus, but they have not been helpful and very difficult to get someone on the phone. I have provided all required documents. I am a victim of Identity theft and these fraudulent accounts were opened without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these inquiries from my report. I have included the identity theft report and would like these removed asap. These were done in my name without my permission. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion consumer solution XXXX XXXX XXXX XXXX, PA XXXX Subject XXXX Request for Removal of Fraudulent Accounts from Credit Report and Immediate Blockage under 15 U.S. Code 1681c-2 Dear XXXX, I am writing to you with a request under the provisions of the United States Code Title 15, Section 1681i , which empowers consumers to dispute inaccurate or fraudulent information in their credit reports. There is information on my consumer report that I did not provide written permission, instructions, or consent to be reported on my consumer report as a result of identity theft. Therefore, I am formally requesting that the reporting of this inaccurate and fraudulent information be blocked and deleted.

My request for the blockage and deletion of this data is not a mistake, nor is it founded on any misrepresentation of facts on my part. I am committed to ensuring the accuracy and integrity of my credit report, and as such, I am rightfully seeking the removal of these wrongfully attributed transactions. It is crucial to clarify that the transactions identified in my report are in no way associated with any of my legitimate financial activities. As the victim of identity theft, these transactions do not represent any transaction undertaken by me as the rightful consumer.

In accordance with the Fair Credit Reporting Act, I am entitled to a fair and accurate representation of my credit history. I kindly ask that you investigate this situation promptly and take the necessary steps to remove the fraudulent accounts from my credit report. I understand the importance of a correct credit profile and its implications for my financial well-being.

Enclosed with this letter are copies of documents substantiating my identity and the fraudulent nature of the reported transactions and trust that these documents will provide the evidence required to facilitate a swift resolution of this issue. I kindly request a written confirmation once the fraudulent accounts have been removed from my credit report.

The identified transactions are not information related to any transaction by me as the consumer and must be deleted and removed from reporting on my credit report : 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 XX/XX/XXXX In accordance with the regulations stipulated in 15 U.S. Code 1681b, governing the permissible purposes of consumer reports, I hereby demand the immediate removal of all inquiries not initiated by myself from my credit reports. Specifically, the following inquiries are unauthorized and must be promptly deleted : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX the credit bureas and self income Claimed they did an investigation But that can be possible when I never have written permission!!!!!! 

XXXX XXXX 1 LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$520.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ 520 Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan/credit card from XXXX XXXX is showing up on my credit report from XXXX. I was born in XXXX, which would make me XXXX XXXX XXXX and not of age to concent to someone using my social security number. Neither of my parents authorized this as well. XXXX XXXX says they cant find anything with my information on it and therefor will not help resolve the issue of it showing up on my report. I am in the process of purchasing a home and this negative mark is preventing me from the purchase. I dont have the luxury of waiting for this to be resolved, it needs to be done immediately so Im able to show an accurate number for my credit score. Thank you.
Product: Mortgage

Sent mortgage payment due on  XXXX   XXXX ,  2016  in  XXXX   2016 , received by Bank of Ameri ca ( BAC ),   XXXX   XXXX ,   XXXX  . Between time payment sent and due date Bank of America raised payment amount due because of increase in escrow. Difference sent and received by  BAC   XXXX   XXXX ,  2016 . Payments due by  XXXX   XXXX  to avoid late fee. BAC did not credit account with difference until after late fee due date so that they could charge late fee of {$69.00}. I have contacted BAC regarding this and have received no response.
Product: Credit card

In XX/XX/XXXX my husband and I took on a line of XXXX XXXX via Barclay Card in order to buy a computer. The credit line was advertised as XXXX months, no interest. Two years later, in XXXX of this year I was blindsided by a {$630.00} interest charge on my account. I inquired with the creditor and this was their response : '' Our records show that you received an extended amount of time to pay off your XXXX purchase without receiving finance charges. Where the purchase was not paid in full by XX/XX/XXXX, finance charges were calculated from the original date of purchase and billed to your account in the amount of {$630.00}. 

" We would like to inform you that we placed numerous reminders on your monthly statements informing you that the expiration time is approaching and that you need to pay the purchase in full to avoid being assessed finance charges. We also send you a number of informational emails that would have provided you with additional information on how deferred financing works, as well as reminders, explaining that your purchase needs to be paid off by the expiration date provided on your monthly statements. " Though the company says I was sent " informational emails '' and " reminders '' I do not recall any of these. I had no clue a finance charge bomb was looming -- or that creditors were allowed to do such a thing. I was under the impression that this line of credit, although an albatross I could n't wait to pay off, was in good standing. Now my balance is over the approved line of credit and I owe more than I originally charged for the computer. I know this is no subprime loan, but it seems like these practices should be illegal. And of course, I know I 'm not the only XXXX who needed a computer and had no cash in hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is in reference of the account XXXX  Balance reported as of XX/XX/2020 - {$4800.00} : I could not keep that account open during COVD and could not make any payments. I call XXXX to try to work something out, but after not having a job for a few months, per the government, but their only solutions after the first month were for me to pay money that i did not have. I asked them to please not call me anymore or send letters if there was not a solution. ( I am a XXXX XXXX ) I also did not get unemployment approved until 2 weeks before i went back to work and didn't get that til i went to work. 

According to the law, my credit is supposed to be private I did not give this company permission to put this information on my credit and eventually had to have a credit dispute agency send a letter accordingly. This account was removed from my credit reports, but has now re-appeared on my TransUnion and XXXX reports. It is not being reported again on my XXXX. 

[ 15 U.S.C. 1681 ] Section 602 A states I have the right to privacy.

It aslo states : The banking system is dependent upon fair and accurate credit reporting. 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.

My information is again not being reported accurately on the 3 consumer reports.

15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX did not honor this and continually called me and sent letters for over 1.5 years Again, I did not give XXXX permission verbal or written to share my information. 
Last year i hired a credit disputing company. All of my information and the letters of communication XXXX sent is with XXXX XXXX XXXX I forwarded it all to them, but they only work on things for XXXX. and I can not afford to pay for another year. 
I can have all of these letters sent to you if needed, I can also pull my XXXX accounts from the last 2 years if needed.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Deletion of Collection Account Based on 15 U.S. Code 1681e ( b ) Dear Sir or Madam, I am writing to dispute a collection account on my credit report related to Progressive, which was reported as a collection on XX/XX/year>. Under 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information on consumer credit reports. 



After reviewing my credit report, I believe that the information regarding this collection account is either inaccurate, incomplete, or unverifiable. Specifically, I have identified the following issues with the reported collection : I dont own nor have any knowledge of this account. 



As per the requirements of the FCRA, I request that you investigate this collection account and remove it from my credit report if the information is found to be inaccurate or unverifiable. 



Please provide me with written confirmation of the results of your investigation and the outcome of this dispute. In addition, if this collection is found to be unverifiable or inaccurate, I request that it be deleted from my credit file. 



I look forward to your prompt response, as required by the FCRA, within 30 days from the receipt of this letter. 



Thank you for your attention to this matter.
Product: Debt collection

Company called my fathers work phone number and left a message stating Red Cedar Associates was coming to serve me papers for a lawsuit this Wednesday. I spoke to a representative named XXXX on the phone with my dad on the phone as well. He asked me to verify my private information prior to releasing any information about the judgment against me or without telling me what the call was in reference to ( as I never received a phone call or voicemail prior to this ). He sent me and my father an email with the deposition that I will be served on Wednesday, but there is no reference to any lawsuit or any legal action to be taken. I have had phone calls like this before and I know they are scammers, as well this company has had numerous complaints and lawsuits filed against them in the past 5 years. I want something done about this.
Product: Credit card

The credit card company Bank of America is reporting inaccurate information on my XXXX and XXXX reports. 
I never applied for a Bank of America credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX on XX/XX/2019 and XX/XX/2019 accessed my Transunion credit report without my consent. This is an unauthorized inquiry and it affects my credit report negatively. Wish to have these two inquiries removed immediately.
Product: Checking or savings account

I've been with NFCU, union for at least the past XXXX. There were times I was charge overdraft fees, when I had money in my account, I also have oops. Please just take a look and make sure I wasnt illegal charged these fees
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX Balance : {$380.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$510.00} XXXX/XXXX  XXXX XXXX : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX  ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

XX/XX/2023 I received and offer through XXXX XXXX for an company called " Auto Pay '' for an auto loan refi at 5.99 % for 84 months. According to XXXX XXXX I had a very good chance of qualifying. The lender called me and said He has not seen anybody below 6 % in over a year. He also stated I would be above 7 %. On XXXX XXXX 's and on better business bureau 's website I found XXXX 's of similar complaints. This is a pure example of bait and switch. I asked to speak with the XXXX department and was given an invalid number. I called back and was given a different invalid number. I have a print screen of the offer and recorded phone calls.
Product: Debt collection

I received a letter datedXX/XX/2021 from Portfolio Recovery Services. They stated they were attempting to collect a debt from XXXX XXXX. The XXXX  XXXX debt they are attempting to collect on I am entitled to SCRA benefits on in accordance with the Ohio Revised State Code. I would like a verification of debt to include the list of charges and the amount owed. I can not determine whether the company is using my account for monetary gains that are not owed.
Product: Vehicle loan or lease

On XX/XX/XXXX and XX/XX/XXXX a representative from Capital One Auto Finance called me by the name of XXXX. He would call, let the phone ring and when it stopped he would call back right away. He did this three times in a row and would leave a message. This happened on the two above dates. 
On other instances Capital One would have representatives call and leave a message and then call back two more times within one to three hours after the message was left. I contacted Capital One through e mail to advise of those instances. 
I called Capital One today and advised them of the how XXXX was making his phone calls and that it seemed harassing. 
I advised the representative that I would be filing a complaint with the Federal Trade Commission and with the XXXX XXXX XXXX so there would be a public record. 
She did say she would get this taken care of and have it looked into. She offered to transfer me to the office of the president for Capital One. I advised her that it would not be necessary since I sent an e mail on the first instance and had a voice to voice with her. I advised I was filing this complaint because I had already contact Capital One about leaving a message and them making two calls afterwards and then this happened.
Product: Debt collection

In XXXX 2022 XXXX XXXX XXXX flagged my credit for this XXXX debt from XXXX XXXX  I disputed it and have proof and it was taken off my report now a different company IC systems has brought the same report for same amount same company XXXX XXXX, I haven't had XXXX XXXX and I called the company IC systems and the man was so very disrespectful and rude for no reason and insisted that I was untruthful and hung up on me. I've tried to dispute this again to no avail. XXXX XXXX has knowledge of the situation as well as proof that is why they took it off. Now this is the XXXX time they have tried to give me this debt, it's unjust and I will not be responsible for something that is not mine.