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

I have automatic text message notification set up with my bank of america accounts. On XX/XX/2020 two automatic insurance deductions ( that are scheduled and usually occurs on the XXXX of each month ) were paid resulting in a negative balance to that particular account ( I received NO notifications and BOA charged two separate {$35.00} overdraft fees for transactions from the same insurer ( XXXX XXXX XXXX. Additionally, please note although requested BOA would NOT provide me with details particular to the deductions such as the time received/paid. 

The next morning XX/XX/2020, when I logged on and noticed the issue with that particular account, I transferred money that was in another account to bring it current and then contacted BOA. 

I expressed the following concerns : 1. I had received NO notification of the overdraft ( although historically, text messages were sent ) 2. Had the text message been sent as was historical practice ... no time between notification and placing the appropriate money in the account would have passed. 
3. The date I agreed and have had the deductions made from my account beyond a holiday was the XXXX NOT the XXXX. Payment should have been rendered on the appropriate day- NOT A DAY EARLY -- and the cash would have been in the account. 
4. I requested the time and date for deduction XXXX XXXX was received and paid. I was told by Manager XXXX XXXX that BOA does not collect or maintain that information. 
After discussing the above I requested that the two over draft amounts ( total {$70.00} ) be returned to my account. 

Despite escalation to Supervisor XXXX XXXX and then her Manager XXXX XXXX I was told that they would return one overdraft of {$35.00} and that I should be grateful for that. I voiced my objection and asked that the matter be escalated -- according to XXXX XXXX none of the 3 upper managers were available but I would receive a call from " someone '' within the hour. 

Now several hours later BOA has yet to respond to my complaint or return the funds in total ( additional {$35.00} ) that was taken from my account. 

I am asking for an investigation as I am sure that other " small amount '' BOA bank users along with myself continue to suffer the inappropriate removal of funds from accounts. 

The loss to customers such as myself must be in the hundreds of thousands at this point ; and if unchecked this practice will continue.
Product: Debt collection

Reference # XXXX IC SYSTEMS ( Open XXXX ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT IC SYSTEMS I, XXXX XXXX XXXX a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g . I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF ALL DOCUMENTS LISTED UNDER REGULATION F 1006.18 ( e ) PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease and desist all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 U.S. Code 6802 ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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. I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
Product: Debt collection

My name XXXX XXXX XXXX. I am disputing the following information on my credit report. 
XXXX {$240.00}. My personal information was use to open up a XXXX cell phone account i have file a police report XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Product: Credit reporting or other personal consumer reports

I have been sending out letters and 605B affidavits and receiving responses that Automated Verification is showing the account accurate and being told the disputes will no longer take place after asking for evidence of the original signed contract because I made affidavits in opposition because I deny the account below is my debt, I acknowledge I have no contractual agreement with XXXX XXXX XXXX XXXX. Equifax, XXXX, and XXXX are telling me they don't have send me this proof of original contract when I had no contract or debt with XXXX XXXX XXXX XXXX and this account was created without my consent or knowledge and the account is fraudulent. 

I admit that I am victim of identity theft, thus filed an incident report with XXXX Police Department XX/XX/2023 case number XXXX, Federal Trade Commission Identity Theft Report, and XXXX ( b ) identity theft report ( enclosed ). 

I admit that this has caused me mental distress because of humiliation and embarrassment and good standing credit accounts closed, and lowered credit score which caused future denial of credit, AND emotional, financial ( injury to credit report and attorney fees, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all three credit reporting agencies. 

I am a victim of identity theft ( SEE ENCLOSED IDENTITY THEFT REPORTS ).
Product: Credit card or prepaid card

My self credit card account as well as my credit builder account were closed with no explanation on XX/XX/2023. I had called the support line, and chatten the live support teams with no resolve as to why my accounts were being closed. I asked for a manager call on the chat and was told that a manager wouldn't have any answers for me and a manager escalation was refused by the self representative. I was promised a same day manager call back by the phone rep, and a call was never received. Self terms and conditions state that once an account is closed the deposit for the secure line of credit will be returned within 14 business days. After waiting 3 weeks for my deposit, I once again contacted Self via the live chat option and I was informed that my roughly {$3000.00} is being held by Self for an account review. I asked why I am under review if the account is closed. I was informed that no further information will be provided as to the nature of my account, or the status of my money by the chat rep. I find this totally unacceptable. I then called the Self customer service and was supplied with the email XXXX to contact. I was also told that if the review is resolved and I am awarded my payout, I will be subject to another XXXX business day waiting period before a check would be mailed. This is also unacceptable as I have been owed this money for three weeks at the time of sending my email to them. I was told I couldn't be informed of why I am under review, and I have not had any requests to verify any information. I chatted again yesterday and was told again that they are unable to tell me why I am under review, when I might see my money back or any additional info pertaining to the issue. I then received an email stating the same. I have been patient. I have gone through the steps to try and get answers to my questions, and I have waited the appropriate amount of time to receive my money back. I no longer wish to do business with Self. They had no issue taking my money. There should be no issue paying it back. I am requesting expedited payout of the money owed to me. I also looked them up on the XXXX  and they are having several reports of the same issues. Accounts closing with no notice or explanation and refusing to discuss the nature of accounts, or disclose any information for resolve.
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. 

XXXX XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX, XXXX XXXX XXXXD : # XXXX XXXX, XXXX XXXX  : # XXXX  XXXX, XXXX XXXX XXXX XXXX  : # XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX XXXX : # XXXX, has violated my rights. 

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: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Product: Credit reporting or other personal consumer reports

TransUnion is been reporting an inquiry by XXXX XXXX twice, on XXXX, and XXXX. I had no business with this company or authorized them to run my credit.
Product: Debt collection

I strongly desire not to have this on my credit report. This does not belong to me. It is fraud! see attached
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 XXXX 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; COLLECTIONS : XXXX XXXX  - XXXX {$7000.00} XXXX XXXX  - XXXX {$3000.00} XXXX  - XXXX XXXX  - XXXX XXXX - XXXX ACCOUNTS : XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I noticed several addresses that were not correct on my credit report Experian XXXX XXXX all can not provide proof I ever lived at that address I demand immediate removal. Or I will seek commercial liens against all 3 bureaus for violating fcra 15 usc1681 and violating 18 usc 242. I have recordings of Experian bypassing fcra. With blatant refusal. All 3 bureaus are acting as cabal in concert to keep poor consumers in bad situations.. and I will not settle for anything less than the max. There is inaccurate information and I do have a fraud alert on my account... I will be sending each agency a Notice of intent to lein if not removed immediately.
Product: Student loan

Hello, I had two student loans with XXXX XXXX loans and both were delinquent. On XX/XX/XXXX i made a payment of XXXX towards the smaller of my two loans with them. This payment was making this loan current as of XX/XX/XXXX. I received a letter from Sunrise Credit Services Inc on approximately XX/XX/XXXX ; a collection company collecting for both debts. I logged back into my XXXX account online when i received the letters and it showed that both accounts had been paid off. I called XXXX the same day to ask where the XXXX had been applied because in their system it showed it had been reversed ; the representative told me that it was forwarded to the collection company. 

I logged into the account with Sunrise Credit Services multiple times since XX/XX/XXXX to verify if the payment was applied and finally saw online on XX/XX/XXXX that the payment i made of XXXX had been split 3 ways ; the loan my payment should have been applied to had a balance of approximately XXXX dollars according to the XXXX website, and then the other loan was approximately XXXX dollars. I spoke with XXXX XXXX on XX/XX/XXXX at Sunrise Credit and she explained that the loan that was showing as XXXX in XXXX 's system was originally disbursed in two disbursements so they were technically two separate loans ( i.e. approximately XXXX a piece ), so XXXX was applied to XXXX XXXX dollar loan, XXXX, to XXXX XXXX loan and XXXX to my loan with the balance of XXXX the application of the payment to my loan with the balance of XXXX is incorrect. The way they split the payments i believe is in violation of the Fair Debt Collection Practices Act as i had specifically paid the smaller of the two loans with the intent of paying it off afer that only to have it sent to collections and I don't think it should have been sent to collection since i paid it current prior to the insurance/guarantee company paid it off. The loans shows it was paid as of XX/XX/XXXX by the insurance/guarantee company on the XXXX site by the insurance company but i had already made my payment on XX/XX/XXXX. I have attached screen shots showing how Sunrise credit applied my payment and also screenshots of when i made the payment to XXXX - it shows the loan the payment should have been applied to. 

Thank you,
Product: Credit reporting or other personal consumer reports

My wife name is listed not mine they put tradelines under both our names for 1 account that has been closed since 2020 I have disputed at XXXX, and kickoff neither will fix it
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX Attorney General # XXXX, XXXX XXXX XXXX # XXXX XXXX Office Of the Attorney General # XXXX, Attorney XXXX, XXXX XXXX ( reported several times ), XXXX XXXX XXXX I looked at my XXXX credit report and saw things were not accurate and incomplete. And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates to according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are supposed to do this 5 Treatment of inaccurate or unverifiable information. ( A ) general after any reinvestigation under paragraph ( 1 ) of any information disputed.
Product: Credit reporting or other personal consumer reports

I have submitted probably about 10 times now to Equifax regarding human trafficking disputes on my credit report. I mailed in the information 2 times and called them 6 times regarding this matter. They still denied me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, my IDR was approved for $ XXXX monthly, however this was never applied to my account and resulted in a deliquent account by XX/XX/2018. After discovering the mistake and reaching out to XXXX XXXX, they suggested i apply for forbearance to fix their own mistake of applying the new payment plan. This is to retroactively forbear the months of XXXX and XXXX to XXXX of next year. This should never have been done or needed to be done if XXXX had applied the IDR correctly in the first place. Now a year later, I am still dealing with the fall out with credit agencies. 

They are reporting 36 missed payments during this period and I have started 3 disputes that XXXX has confirmed that I have these missed payments. I have no other recourse other than to go through legal means at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company didn't do anything I cancelled my cards between XXXX and XX/XX/2017 because of Fraud. I cancelled the card and reported fraud and it is showing up as a open account that is delinquent. The amount is XXXX dollars.
Product: Credit reporting or other personal consumer reports

I asked for unauthorized credit check hard inquiries and anything thats hurting my credit that cant be proven of ownershipto be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the fair Credit Reporting Act XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to request the immediate removal of several unauthorized hard inquiries from my credit report. These inquiries were not authorized by me and are the result of identity theft and fraud. The following inquiries were made without my consent : XXXXXXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX - Inquiry : XXXX XXXX, XXXX XXXX. XXXX - Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX - Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX - Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX - Inquiry : XXXX XXXX, XXXX These inquiries do not reflect any legitimate activity on my part and have adversely impacted my credit score. I have taken appropriate steps to address the identity theft and have reported the fraudulent activity to the relevant authorities.

I kindly request that TransUnion take immediate action to remove these unauthorized inquiries from my credit report to ensure its accuracy and integrity. Your prompt attention to this matter is greatly appreciated. 

Please feel free to contact me if you require any further information or documentation to process this request. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX