23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XXXX XXXX, 2022 at XXXX XXXX I called XXXX to speak to the institution who holds my deposits on a prepaid debit card given to me to receive my funds after XXXX donations at XXXX. Per the Fee Schedule provided my deposits are held at Regions Bank and there is some third party relationship with XXXX. Also, the prepaid card is issued by Comdata. 

The reason for my call is that when I received the prepaid card at XXXX at the beginning of my relationship the card was in a sealed envelope which contained a prepaid card attached to a schedule of fees ( XXXX side was the Welcome letter the other side was the list of all fees ). Per the schedule of fees there are only XXXX ways to access your funds free of charge after XXXX donations. Either by conducting a POS Transaction as a credit transaction that requires a signature or via Bank XXXX Withdrawal ( for banks participating in the XXXX Network ). I called to ask where I can make a Bank XXXX Withdrawal to withdraw my funds without being charged. The Operator explained that what I was seeing on the schedule of fees is not associated with my debit card but with their payroll card. I explained the fee schedule was confusing and deceptive because it appears there is a way to withdraw funds from the account without being charged but only after I called them am I being notified that was wrong. I told them about XXXX and that this fee schedule was deceptive as there is no way to withdraw funds after I make a XXXX  donation without being charged. The bank works with XXXX as an in-network ATM, the cost is XXXX if you withdraw your money and it is XXXX  if you withdraw at a POS system. The Operator acknowledged that it was deceptive but she provided no further assistance. I would reccomend that regulators listen to my conversation with the bank at the time listed above. They let me know the call was recorded. 

I want the bank to update their fee schedule so they do not receive consumers. When I told the bank about the issue they pushed the blame to the XXXX donation center. I told them they could not absolve themselves of responsibility just because they give a third party authority to issue prepaid cards and the cards are sealed in envelopes sent by the bank. The Supervisor at the bank was not concerned about it even though I recommended they communicate with whomever has authority to enhance their fee schedules. I fear they are taking advantage of XXXX people who donate their XXXX and might rely on the payment and are not aware the bank is making every effort to deceive the donors and take part of their income. There are other prepaid cards for XXXX centers who have chosen not to charge fees for the first withdrawal after a XXXX donation ( for example, XXXX XXXX ).
Product: Credit card

On XX/XX/2023 I had realized my credit limit had be unilaterally reduced from {$6000.00} to {$900.00}. Which is a substantial injury to me by interrupting commerce and causing a harm to my livelihood as I am the original creditor to this agreement as my consumer credit was utilized and extended to open this account. 
In accordance with the FDIC Laws and Regulations, I assert there has been a Violation of TILA, FCRA, ECOA, CCPA.

- Violation 15 USC 1637 ( I ) ( 2 ) In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a written notice of any significant change, as determined by rule of the Bureau, between the creditor and the obligor, not later than 45 days prior to the effective date of the change.

- Violation 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA An act or practice is unfair when it causes or likely to cause substantial injury to a consumer which can not be reasonably avoided - 15 USC 1681 ( D ) ( 6 ) a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested, shall be disclosed to consumers Within thirty days prior to making changes.

In accordance with the CFPA, I request the acknowledgment of violations on behalf of Bank of America, A resolution to rectify this matter in good faith, And the recession of the security interest and any associated liens on the account
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXXXXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

I was sent texts from someone stating they were from XXXX XXXX XXXX and I was to pay {$220.00} for xrays I received. I thought it was a mistake and ignored the first text. I responded to the second text instructing them to bill my medical insurance. Yesterday, I received a letter from CMRE Financial Services saying that they are a collection agency and I owe {$220.00}. I confirmed with the XXXX radiology groups in my county that I have no outstanding bills. I have EOBs from both of my insurance companies where they paid for the last two times I had xrays. XXXX XXXX XXXX XXXX said I had n't been to them since 2011 and they had no outstanding bills for me. All three companies said they would NEVER text me. I have not contacted CMRE Financial Services because I 'm not sure what the consequences would be if I did.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX dont know Franklin finance XXXX {$2500.00} was {$2000.00} had a XXXX or XXXX XXXX XXXX suddenly went and car company couldnt fix told me to fix I was still under warranty they repossessed it. 
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 Include closed rent a center account still on my credit report please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting that I have a {$6300.00} debt as bad debt. I'm a XXXX veteran that was without income for over 2 years. Once my XXXX came in I settled this account with XXXX XXXX XXXX XXXX, account # XXXX. The settlement was completed with XXXX XXXX, XXXX XXXX XXXX  and XXXX  still shows an outstanding balance.
Product: Debt collection

I recently received a letter in the mail from First Horizon Recovery Department stating that this was attempt to collect the debt for a account that was in the positive for {$5200.00}. According to federal law I am not obligated to pay any amount debt in which, I responded back to them with a affidavit of truth letting them know about the violations that was violated. I haven't received a full line by line response from them yet they only answered part of my affidavit.
Product: Student loan

When I log in to Student Aid website it shows that I have 8 Loans : 2 Servicers with a Total original amount awarded : {$72000.00}. I have never borrowed {$72000.00} so why did my loan double from {$37000.00} to over {$72000.00}? I want this fixed quickly since I do not and have not ever owed that much money. 
In XXXX, reached out to Mohela and was told is was a glitch in the system and it would be fixed by XX/XX/XXXX at the latest XX/XX/XXXX, when they start reviewing all data. 
I want this fixed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of my account with PatientFi, account number XXXX, which has been inaccurately marked as late. This account has been paid in full, and the balance is XXXX. 

I believe this reporting to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( a ), which mandates that furnishers of credit information provide accurate information to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt XXXX are trying to collect debt not owed by me I was a victim of identity theft in 2019 and several accounts were opened in my name and social I have been on a hard road to get it fixed but XXXX XXXX XXXX and XXXX are giving me a hard time I assume they do not think it was fraud and they just assume that which is because I can see in my credit that whoever opened these accounts made a few payments and then stopped so I guess that may be why they will not consider it fraud
Product: Debt collection

Affirm has claimed several accounts on my credit that I never made. I have tried to contact several times as well as dispute and XXXX  said they certified it which I have never seen. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, these unauthorized accounts shall be removed from my credit file immediately. 

1. XXXX XXXX {$570.00} 2. XXXX XXXX {$810.00} 3. XXXX XXXX XXXX {$240.00} 4. XXXX XXXX XXXX {$180.00}
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not correct! These accounts have never been late. I've never been late with my debt payments. I'm aware of my responsibilities! You are causing me stress by reporting inaccurate information!
Product: Credit reporting or other personal consumer reports

ID theft under FCRA and other regulations please remove these accounts : FTC AND ADDRESSES AND ID ATTACHED. POLICE REPORT ON FILE - 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
Product: Debt collection

They keep calling looking for some strange Male. The name is foreign sounding. I've told them numerous times my number doesn't belong to who they claim to be looking for. They lied to me this last time, tonight, they have never spoken to anyone at this number. That's a lie because I've heard the strange name before. I've read online this number is a scammer. Please shut them down.
Product: Payday loan, title loan, or personal loan

I have a single account that is being reported as two accounts to the credit bureaus. In addition, the credit limit and the minimum monthly payments are reported incorrectly. The account has a XXXX limit. One report shows XXXX, another shows XXXX. These errors are causing problems in my home buying process, and Upgrade refuses to give me written documentation clarifying that I only have one account, and that they will fix the errors. The reason they give for this refusal to provide written acknowledgment of my actual account status is privacy issuesdespite the fact that they regularly post documents with similar personal information to my account portal. 

Im at risk of my home mortgage being denied at this point because of this misreporting, which makes it appear as if I have {$1500.00} in min monthly payments due to Upgrade. 

In addition, the truth in lending statement for this account is deceptive. The amount Im actually charged monthly is nearly double the amount shown on the XXXX, despite the actual balance being thousands less than the XXXX statement shows a payment amount for.
Product: Debt collection

Wells Fargo Deal Services is in violation of the Federal Reserve Act Section 2. It states that the application for Federal Notes the collateral security can ONLY be drafts, bills of exchange, notes, etc with that being said why did Wells Fargo dealer Service require me to make me sign over security interest to my real property while my actual application is what is being used. This financial asset that Wells Fargo Dealer Services took position of is my registered security in which I went in and trusted Wells Fargo Dealer Services to do the right thing they have not. Not only have they repossessed my car and FORCED me to pay in XXXX notes to retrieve it back bit they also have deposited this note so that the interest pays out over time in a pool of other notes together. By these very acts that makes me an investor entitled to equitable relief which would settle the alleged debt. 
XXXX. Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks.
Product: Credit reporting

on my credit report Experian is showing Reliable Credits last post as a reposession. That was in our bankruptcy and PAID IN FULL. It was reposessed as you can see on the credit report we had to RE file the bankruptcy because there was missing information from my hunbands employer. The court ordered Reliable to return our vehicle and we paid it off through the bankruptcy. And should not be reported until XXXX as the bankruptcy will be done reporting after XXXX
Product: Credit card

I opened my PNC bank cash reward business credit card on XX/XX/year>, business name : XXXX XXXX, and I spent {$8800.00} using this cash reward credit card on XX/XX/year>, the transaction was code as purchase, but I didnt receive1.5 % cash back per credit card agreement and I didnt receive {$600.00} bonus. Per PNC bank cash reward business credit card promotion condition, if I spent {$6000.00} within 3 month of account opening, I will receive {$600.00} bonus. 

Please investigate this issue and deposit {$600.00} bonus and cash back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank target card is reporting late payments on my credit report. 
i have never been late on my credit cards they are all on auto pay. 
this is effecting my life i lost a 6 figure income job cause this was on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reference : XXXX Account # : XXXX I paid my account in full on XX/XX/2019 and the account was closed. 
XXXX  XXXX reported me 30 day late for XX/XX/2019. 
Please review attached document as the document from XXXX  XXXX shows account was paid in full and account closed XX/XX/2019. 
Please follow-up with XXXX  XXXX and have them update the credit bureaus with the actual data for this 30 day late inaccurate reporting on my account.
Product: Vehicle loan or lease

Wells Fargo XXXX XXXX a one month extension for XX/XX/XXXX after hey approved my extension. I sent them several times my documents on XX/XX/XXXX to XXXX. Over 3 times they did not get my extension document. XX/XX/XXXX I fell 20 feet through a roof. they told me since it was a different hardship they would not except my approved deferral and since my loan was over 35 days past due they would not do anything for me. I was working with the office of the president for weeks trying to get the XXXX deferment that was approved, approved. on XX/XX/XXXX the office of the president denied my extension. on XX/XX/XXXX they immediately put my truck out for repossession. the office of the president did not advise me my vehicle was going to be placed for repo. I was told to call and make arrangements with collections which I always do. I made one payment on XX/XX/XXXX even being on XXXX and the bank knew because I kept in touch with them and XXXX had an arrangement with them for a payment by XX/XX/XXXX. ( which if they would of called me they would have a post dated payment and I would have my truck ). I am having ALL my phone calls pulled at this time as well. all i got was a run around all day. I spoke with a XXXX who told me that A. none of their systems communicate, that even if working with the office of the president there is no way for the loss mitigation, redemption and collections department to know that a consumer is working with a different department. They do not have any signs or codes to know what is going on with a consumers account because they can not even see the notes for different departments because systems do not talk to each other. There for if i was still working with the office of the president my vehicle would of went out for repo... I made arrangements with wells Fargo for a payment by XX/XX/XXXX. I would of put a post date on file so i did not lose my vehicle and wells Fargo KNOWS i almost lost my life to a serious injury. I kept getting the run around from collections to talk to the XXXX and the XXXX kept sending me back to collections. I have severe XXXX and XXXX XXXX. A XXXX advised me that within 24 hours my plates where going to be destroyed by the company who picked up my vehicle. I asked wells Fargo if they know about the laws in XXXX with repossessions. XXXX told me they do not know about any XXXX repossession laws because they are not taught. I keep getting passes back and forth and now this is making my XXXX XXXX, XXXX and XXXX XXXX XXXX going up.. now they want over XXXX to get my vehicle back. I am also having all the calls pulled as well. because of their lack of communication I lost my vehicle and I XXXX not be able to get my truck back. They are violating XXXX repossession laws ... .managers don't call you back. nothing ... .it has been 2 days and i have yet to get anywhere to try to get my vehicle back. they need to be looked into deeply ... .they are not following any of XXXX repo Laws. I feel i should not have to pay the repo fee 's and my vehicle should be send back to me and continue on with the arrangement we had on file since XX/XX/XXXX.
Product: Debt collection

This is a new complaint with Resurgent for a different account. Resurgent Capital Service is a special case and is attempting to collect on a debt that I do not owe. Resurgent is stating that they are collecting on behalf of LVNV. Furthermore this is not the only creditor that is trying to collect on this alleged debt. XXXX XXXX XXXX is also in violation of FCRA, and FDCPA Laws. As soon as I got a letter from Resurgent Capital Services I sent them one myself. I sent Resurgent a letter of dispute of the alleged debt on XX/XX/2023 for validation of debt 12 CFR 1006.34 - Notice for validation of debts. I did not get any response from Resurgent regarding this alleged debt. I did give Resurgent a chance in good faith to validate the alleged debt. I really don't have to because I have disputed this alleged debt with LVNV, the company claiming ownership of the alleged debt. The problem with Resurgent is that this company is furnishing information about me without having permissible purposes according to the FCRA. This makes it an Identity theft. 
These are the violations of Consumer LAWS, and Criminal LAW.

15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.