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

in according with the Fair Credit Reporting act XXXX  Account # XXXX named XXXX XXXX, acct # XXXX and XXXX named XXXX XXXX  and XXXX XXXX Account # XXXX also named XXXX # XXXX and Named XXXX XXXX acct # 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom ever this may concern my name is XXXX XXXX XXXX. XXXX reaching out on behalf of my credit report /credit score. I was a victim of fraud and fraudulent activity. I sent in hand written documents as well as POLICE reports to prove the identity theft.my credit score and credit report were damaged by this. As a result like I said before I sent out police reports hand written documents to the federal trade commission, Experian, XXXX, XXXX. As of now my credit score is still low because of the crimes and my credit report has delinquencies and late payments because of these fraudulent accounts that lingered on my credit report. At this time i appreciate anything you can do too help generate me a very high credit score for this happening any compensation would be greatly appreciated for this has been very hard too live with Im been facing hardships, poverty, homelessness due too these crimes I never committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about a closed complaint XXXX. Bank of America did not resolve my problem after XXXX  days as promised by their representative, it has been XXXX  months over XXXX days but my credit report still has the hard inquiry not belonged to me. 

Here is the response from BoA in the original complaint : " In the CFPB correspondence, you indicated that an unrecognized inquiry from Bank of America is showing on your credit report. Our research has confirmed that this inquiry is related to an account ending in XXXX that does not belong to you. To correct this, on XX/XX/2022, we sent the enclosed to letter as notification that we submitted a request to the consumer reporting agencies to remove all of our reporting for the account ending in XXXX from your credit file. Please allow XXXX  days to see the changes that we have made. ''
Product: Mortgage

Recently I decided to attempt to change my mortgage company. One mortgage company asked for certain information from SunTrust Mortgage. SunTrust decided to charge me for the expense they deemed necessary for faxing the information to the mortgage company. They added a {$15.00} fax fee to my mortgage payment!! I shrugged this off, mistake on my part. SunTrust has decided to add {$45.00} to my mortgage payment for next month. I was advised that the addition in the mortgage payment was for three separate fees for faxing. It has been my understanding that a mortgage payment was the amount that was agreed upon and one that has been signed by the customer!! In effect, this would constitute a breach of contract? I am saddened by the under handed ways that business are operating by!! The housing market in 2008 was proof that because of people that are not above board, we can have another crash in our housing system!! I can fax pertinent papers to you so that you can make an informed response. I thank you for your time and effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$2600.00}
Product: Debt collection

Over the past year, Portfolio Recovery has frequently called me during working hours and I have been avoiding their calls until they showed up as a local area code. I would take my break at work thinking it was a XXXX professional calling me. The only debt that went through them was a credit card from around 2012, so long past the time frame to collect. Its off of my credit report and they are still calling. I have XXXX XXXX and I'm scared if I tell them to stop that they will reactivate my debt and try to collect on it.
Product: Debt collection

I am in the XXXX XXXX, I currently am XXXX in XXXX XXXX. In XXXX I was made aware of an account in collection for an account opened in my name via identity theft. I called the XXXX XXXX Police Department on XX/XX/XXXX at XXXXPST. The case number is XXXX. The account was opened in XXXX Texas with XXXX XXXX XXXX XXXX on XX/XX/XXXX - XX/XX/XXXX. The account went delinquent on XX/XX/XXXX in the amount of {$3200.00} and was turned over to Hunterwarfield on XX/XX/XXXX. I have submitted an affidavit and the account number with Hunter Warfield is XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within 14 business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning Trans Union & XXXX will be liable to me for statutory damages for Trans Unions misconduct as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ). 

Hard inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I instructed via a written signed letter faxed to the debt collector that all further communication is to be through my husband as he has my POA for all financial matters - a copy of which I have offered to them if requested. I gave explicit instructions that only he is authorized to deal with this matter and gave both his cell number and his email address for that purpose. Shortly after faxing that letter, my husband received a call from the debt collector. He was told that they had to talk to me. My husband said no as per the faxed letter. The debt collector said they would try to contact me later. 

Clearly they have ignored my written instructions in violation of FDCPA.
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a auto loan with NFCU for a XXXX XXXX XXXX. I was approved the for the loan in the amount of {$13000.00}. Within 3 weeks, I decided to refinance my loan through XXXX XXXX XXXX for a cheaper interest rate. On XX/XX/XXXX the loan was paid off by XXXX XXXX XXXX in full from the payoff amount provided by Navy Federal Credit Union. I recently applied for a loan ( not NFCU ) and noticed that there were some inaccurate information being reported by NFCU on XX/XX/XXXX to ( XXXX, XXXX, XXXX ). The lender have since reported that the car was purchased in XXXX ( which is inaccurate ), and that I had paid my car payment late for several months ( up to 120 + days ) leaving an account balance of ( {$1800.00} ) which had to be written off. If you review my report from the previous month it shows the account being reported accurate as ( Paid,  closed and never late ). As of XX/XX/XXXX my report is now showing an inaccurate amount, multiple late payments and settled less than the balance which is unacceptable/inaccurate. I am applaud that a company would fraudulently report inaccurate information that has now caused me to receive credit denials for loans when the information is incorrect. I have been a customer with NFCU bank since XXXX and currently hold several large credit limit credit cards, personal loans, checking and savings account with them. If the inaccurate information was correct, I am almost sure they would've not extended multiple credit cards, personal loans and or checking/saving accounts to me.
Product: Debt collection

I received a call on XXXX XXXX, 2015 from a man claiming to represent the 'Legal Department XXXX . '' I immediately asked why he called me and he was very rude saying, " I was trying to help you, but now you can see the judge. You are up on fraud charges and I 'm sending the constable to your house. '' The number does not match any law enforcement or government enforcement in XXXX, Texas. I have a recording of the representative threatening CRIMINAL charges against me. I was never told what this was about, except they represented a client ... a bank that is not in Texas. The phone number is XXXX XXXX XXXX.
Product: Credit card or prepaid card

I made a reservation ( in my daughters name XXXX XXXX ) for XXXX on XX/XX/XXXX total amount {$5900.00} for travel in XXXX, XXXX. On this day XXXX charged the first half of {$2900.00} ( this was charged on Banana Republic Card serviced by XXXX  ) in XXXX, XXXX Banana Republic transferred service to Barclays. On XX/XX/XXXX, XXXX charged the remaining balance of {$2900.00} ( charged to Banana Republic serviced by Barclays. We experienced issues with our reservation and XXXX  submitted a refund for both transactions on XX/XX/XXXX. I received the refund of {$2900.00} to Barclays and it appeared on my statement. However, I have yet to receive the {$2900.00} which was charged card when XXXX was servicing. I submitted a written dispute to Barclays in XXXX, XXXX only for them to close dispute. To make things clear I am disputing the credit owed to me on the charge of {$2900.00}. I have made contact with both institutions and have got no where with this issue. XXXX has provided confirmation for refund and has provided this tracking number # XXXX. At time of reservation I only provided information for XXXX -Banana Republic card. Yet somewhere the Barclays-Banana Republic was charged with second half of reservation. I don't understand why both credits didn't make there way to Barclays- Banana Republic card. Barclays has a received written dispute in XXXX, XXXX and verbal dispute XX/XX/XXXX ( Dispute # XXXX ). Today I spoke with Operater ID XXXX  ( XXXX XXXX in the Dispute Department who claims I need to resubmit dispute in writing and that XXXX dispute has been closed. I have spent countless hours making calls to both institutions, filing disputes to get no where. All I request is that I be returned {$2900.00} of money that I paid to both XXXX and Barclays. They have received my payments as well as refund from XXXX. 
I'm dumbfounded how in a merger two institutions of this magnitude don't have some type of a process or protocol to resolve issues like this. I've been ping ponged back and forth for the last eight months in reference to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute through XXXX XXXX which was partnered with Transunion. It was an account I was not aware of on my credit & I disputed that item. They have defaulted & have not honored the FCRA 30 Day rule which in turn they have to delete & remove that disputed item in question. Please enforce this. I have the date of when the dispute was submitted & evidence from XXXX XXXX of the submission & when they are supposed to be done.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I sent proof over 5 times in the past 2 years showing I was a victim of identity theft still the accounts remain I asked the company to send me over verification and prove that I am on these accounts and I signed documents or contracts with these companies on XX/XX/year>. They did not do a proper investigation. They did not respond to my letter. 

I am a victim of identity theft I reported these accounts listed above many times its still on my Credit file Based on, 15u.s code 1681c-2 a consumer reporting agency shall block the reporting of any Information in 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 the law because I am a victim of Identity 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 purpose of Consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other. ( 2 ) in accordance with 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 Consumer I am demanding the deletion of the accounts listed IMMEDIATELY XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a hard credit inquiry from XXXX XXXXXXXX XXXX on my credit on XX/XX/XXXX and I called the bank to report the issue and also sent over mails to them to dispute the inquiry but nothing was done about it. 

XX/XX/XXXX same hard credit inquiry happened but this time from XXXX XXXX and I called also and also sent in letters to dispute it and explain to them my account was compromised but nothing was done about it. 

On XX/XX/XXXX. A hard credit inquiry from Capital was made on my credit and I have called and sent in several letters but nothing has been done about it. 

XX/XX/XXXX. A hard credit inquiry was made on my profile by XXXX XXXX which I was not aware of and I have sent in dispute letters but it has not been taken off my credit. 

On XX/XX/XXXX a hard inquiry was made on my credit by XXXX XXXX XXXX which I did not approve nor was I aware off. I have written to them also and nothing has been done yet.
Product: Debt collection

I have money being illegally garnished from my account for a credit card that was paid off in full. XXXX XXXX XXXX is currently garnishing my wages over a credit card that was paid off in full in XX/XX/XXXX. I have copies of the checks stating the amount had been paid in full.They have been taking over {$110.00} and sometimes more from my account since XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid a XXXX  statement on the Regions website, as Ive done for the past several years. Apparently their website rejected the payment, and my next statement showed an ACH return ( there are plenty of funds in the checking account that was used to pay it, so there shouldnt have been a problem ). This also was reported to the credit reporting agencies and my credit rating took a huge hit. 

On XX/XX/XXXX I called their Customer Service number, and spoke with a XXXX in XXXX ( confirmation # XXXX ). He said that the routing number for my checking account bank had changed on their website ( but I confirmed that it hadnt ). He said that he was going to re-submit the payment and that should take care of it. I was also told that the collection phone calls would stop, but they continue - and that they were going to investigate this and send me a letter, but that hasnt happened either. 

Apparently re-submitting the payment didnt work, because its still showing as outstanding on my current statement, and last week I got a notice from my credit monitoring services that the account had been closed. I called last week and escalated this to a supervisor, but she wasnt any help either. And on Monday XX/XX/XXXX I e-mailed the two people in their Office of Customer Satisfaction, with a CC to the president of the company ( O.B. XXXX XXXX, XXXX ), but didnt get a response from any of them. 

Thanks in advance or any help in resolving this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account # XXXX 30 days late on XX/XX/XXXXXXXX, and 60 days on XX/XX/XXXXXXXX. 

XXXX. XXXX XXXX # XXXX 30 days late in XX/XX/XXXXXXXX, and XX/XX/XXXX XXXX. 

XXXX. XXXX Account # XXXX 30 days late in XXXX  XXXX, 60 days in XXXX  XXXX, 90 days in XXXX  XXXX, 30 days late in XXXX XXXX, 60 days in XX/XX/XXXXXXXX, and 90 days in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is violating my rights. 
The company is trying to collect the debt that is not owed. Also publish XXXX inaccurate information on my credit report. There are XXXX different totals owed. The account was open by identity theft when I was visiting a friend who lived at that apartment complex. I sent the company a copy of the police report and a copy of electricity bill from my address in XXXX XXXX The company does not have an original signed copy of a lease. The apartment lease started on XX/XX/XXXX. the contract states that it was signed on XX/XX/XXXX. 

15 U S.C. 1681 Section XXXX A. States I have the right to privacy. 15 U S.C. 1681 Section XXXX A Section XXXX : States a consumer reporting agency can not furnish a account without my instructions. 15 U S.C. 1681c ( a ) ( XXXX ) 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 crime which antedate the report by more than XXXX years. 15 U S.C. 1681s -2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has responsible costs to believe that the information is inaccurate.
Product: Checking or savings account

I first noticed an issue once a vendor informed us of a check we had written being rejected. As such I reached out to learn more. And after repeated phone calls to the bank via main contact phone number ( XXXX ), their departments for fraud and deposits ( XXXX, XXXX ), multiple representatives informed me they made a " business decision '' to close our account, and had made the account " deposit only '' for the interim. They refused to provide info on why they planned to close the account, and when the funds would be available to remove or that they would release said funds via a cashier 's check. They told me to refer to their deposit agreement for more info on their decision. Upon reading the deposit agreement, the only statement relevant to our situation referred to a XXXX  day window from their choice to close it to when they will close the account and release funds. According to the Bank reps, they had begun that process on XX/XX/2023. I went into the local branch in XXXX where I spoke with XXXX XXXX, who also refused to provide any info on the account closure, or when the funds would be released. In a series of follow up phone calls on XX/XX/2023, they informed me they still not have completed their investigation, and that the account funds were still unable to be pulled out, with no timeline given. The bank has refused to provide any additional updates on this matter. They have not provided a receipt of their decision, so the timeline to when the funds are released is unknown. These funds are essential to our business and to pay back vendors for bills due, and we have not been given a reason or timeline regarding their closure of the account, and the subsequent release of the funds within. They refuse to communicate on their decision, and will not give any updates, despite being past the date of their own deposit agreement timeline. I am struggling to maintain business functions and the fact we have not been provided a simple response is frustrating.
Product: Credit card or prepaid card

Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due toXX/XX/XXXXon my credit card accounts.