23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Paid complete balance twice on XX/XX/XXXX in the amount of {$520.00}. Realized the error & immediately called company on XX/XX/XXXX & was advised that a check will have to be issued & I will recd w/in a couple of weeks. This did not occur I spent over the following 2 months calling on a weekly basis speaking to a supervisor requesting for an update & receiving multiple answers & that someone will call me back. As of today noone has yet to call me to resolve this fraudulent amount. Last conversation regarding the refund check was on XX/XX/XXXX with same results so I open a case at my bank on XX/XX/XXXX which they found in my favor & reverse the extra payment of {$520.00}. I believed finally the nightmare was over but to my surprise at the end of XX/XX/XXXX a refund check for the amount of {$520.00} was in the mail. I immediately went to the bank & was advised to shred the check as the case was closed. I shredded the check. THIS REFUND CHECK OF {$520.00} WAS NEVER CASHED - IT DOES NOT EXIST. To my surprise I get a credit card statement from this company for XXXX in the amount of {$520.00}. They added the refund as my new balance since the bank reversed the payment. Called to ask why I have a balance since check was never cashed & why by just issueing a check I automatically have a balance. I never got an answer just got the same results as before that someone will call me. I made multiple payments after so it doesn't affect my credit but after realizing that they are not addressing the fraudulent amount I have stopped making payments. Ive asked for proof that the refund check was cashed which can validate the balance but all I received in the mail was a copy of the XXXX bill with the reversal of refund added to balance. I've called every week until XX/XX/XXXX with the same answer someone will call me they never do. Throughout this process I've also updated my contact info ( phone # ) but everytime I ask for what info they have its still not updated. I never contacted via mail noticed after among my frustration that I could off contacted about the fraudulent amount via mail but w/in XXXX. XXXX mentioned this not even the multiple of supervisors I spoke XXXX has affected my XXXX XXXX, acquiring interest and late fee on a balance that does not exist. I'm hoping that using your resources you can request for this company to look up the check & realize it was not cashed. And resolve my acct to its true balance {$0.00}
Product: Checking or savings account

US bank is harassing me for collection of over {$1000.00} in nsf and late fees and is having a collection agency from Texas call me and harass me for over {$3000.00}. This collection agency has left me voicemails saying they are coming to my home or workplace to serve me with a summons on behalf of US Bank. These tactics are entirely unacceptable. I called the collection agency who failed to identify themselves ( phone  number is XXXX ) and I asked them what their voicemail is about. The account in question is over 10 years old and I disputed the claim then, originally an nsf item which overdrew me less than {$10.00}. To think that I am being assessed over {$3000.00} for this is absolutely unethical and unconscionable. This issue is not on my credit report and I refuse to be bullied by US Bank or its collection agency. The collection agency said they were going to garnish my wages and said that I mismanaged my account and attempted to defraud the bank!! They are defrauding me! I told the collection agency that I disputed the validity of the claim then and now, and I refuse to pay this. I will continue to report this behavior and I do not want to be bothered with this anymore. This problem was entirely created by US Bank. Please help. Thank you.
Product: Credit reporting or other personal consumer reports

Your failure to mark this account as disputed within the required 30-day period violates 15 U.S. Code 1681s-2, which outlines the responsibilities of information furnishers to consumer reporting agencies. This oversight constitutes a breach of the provision.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, illegitimate Accounts : XXXX XXXX XXXX  acct # XXXX, XXXXXXXX XXXX XXXXXXXX acct # XXXX, and XXXX  XXXX XXXX acct XXXX XXXX. have 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 credit reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681c2 - states 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 I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these illegitimate Accounts have violated my rights. Negligence and Willful Non-compliance.

I am prepared to sue all parties involved. All Actual, Statutory and Punitive damages will be enforced. Up to 1k per month per illegal reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained several times before to try and get some assistance with this issue. I have received several letters from XXXX  stating that this public record that is reporting is accurate. This public record is not accurate and I have contacted both the courthouse and XXXX XXXX, which is who the company has told me has verified my public record. 

This is a blatant lie and a true misrepresentation of my credit report and my husbands credit report and I want this removed ASAP. I am tired of continously having to fight for my innocence in this situation.
Product: Debt collection

us bank calls me multiple times a day for my husbands debt. says they wont talk to me but continue to call be 5 to 6 times EVERY DAY! they will not stop even after my husband has explained to them when they will get paid ( he lost his job 3 mo ago and just started a new one this week )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times informing them that I have been a XXXX XXXX XXXX XXXX. They keep illegally verifying the account using there own internal methods. I have not verified any of these accounts, as they are fraudulent as my identity has been stolen. Per FCRA 605B ( 15USC 1681c-2 ) any information resulting from Identity theft must be blocked from reporting in 4 days no later. Equifax is in violation as my last first notice went out on XX/XX/22. I have attached documentaion to verify myself as they keep using this as a stall tactic. I have also attached a copy of the federal Code, the Identity theft reports and have written a letter to them. Please block and delete accountsd from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX from public record. Please stop breaking the law. As per Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Block and delete the fraudulent accounts.
Product: Checking or savings account

Our prior management never transferred control or signature authority of CapitalOne XXXX XXXX Account # XXXX to any of the current management. We have no way to regain control of the account and our funds have been effectively stolen. 

I am the Controller, CFO, Secretary and XXXX for XXXX XXXX XXXX XXXX XXXX. I am empowered by our Board of Directors to gain administrative access to all of our financial accounts and records. 

I have access to the prior Controller/CFO 's email address which sends me notice that a statement is available for our corporation 's bank account. However, I have no way to gain access to the account or statements. 

I have called customer service and was escalated to a supervisor who said that they had no process to transfer control of the account without the participation of the retired signees on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint, and this is complaint due to the new evidence. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to the credit bureau, and I got a letter from them in XX/XX/2022 stating, '' They do not report any bankruptcies to anybody ''. So if that's the case. How did the credit Bureau verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; XXXX XXXX XXXX XXXX on Equifax Credit Report MUST BE REMOVED. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to:15 USC 1681 section 602 A. States I have the right to privacy. According to 15 USA 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USA 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 causes to believe that the information is inaccurate. this record must be deleted from my Equifax Credit REPORT. Only XXXX has reported this information on my credit history. 
I have included all supportive documents that I have mention above in my support.
Product: Payday loan, title loan, or personal loan

In XX/XX/2018 I was a victim of Identity theft, someone was using my Identity to open up accounts, and get loans. I found out when I pulled my credit report, because I was looking to purchase. I was shock to see that there were many accounts I did not open. I contacted the police department, and filed a report, as well as filed a Identity theft report. I then spoke to all three credit companys, and requested reports from every credit company. I seen that somone was using my Identity with a different driver license, to open accounts through XXXX XXXX XXXX, and many other banks for lines of credit. Then I got a letter from some online payday place called XXXX XXXX, about a loan that was made for the amount of XXXX to the fraud account with XXXX XXXX XXXX. I do not have account with XXXX XXXX XXXX, and or a loan with this company. I spoke with XXXX XXXX XXXX and they alerted the account as fraud. I spoke to XXXX XXXX boy was that a mistake rude did not care lied was on the phone for two hours, was told that if I payed XXXX hafe of the fraud loan that was obtain with this fraud XXXX XXXX XXXX that they would not report me to collections, and all the credit companys, and XXXX. No heart they did not beilve me even after I told them I have proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

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 XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX   XXXX {$79.00} XXXX XXXX  XXXX {$110.00} US DEPT ED XXXX {$7300.00} US DEPT ED XXXX {$5700.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX  XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXXBANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

this account XXXX XXXX XXXX finance account number : XXXX. I have tried disputing the information on verification of the account with the bureau. this account does not belong to me. i will attach my FTC report, drivers license and a letter stating this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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
Product: Mortgage

My mother died in XXXX Bank of America was notified that the property was in probate and the final payment was requested by the probate lawyer. I was named as administrator of the estate and when no response was received I contacted the bank and was told I had to submit a death certificate and the coast approve document indicating was administrator and once received I 'd get access to the pay off information. The bank froze my Mother 's checking account without noticing me so that the auto payments for the mortgage and the house insurance was not being paid. After not hearing from the bank I spent days of being ran around before finally getting the pay off amount on XX/XX/XXXX. I sent a certified check the next day. XX/XX/XXXX I called to verify the check had been received and was told the check was on hold for a insurance payment. On XX/XX/XXXX the bank had issued an insurance on the property for the period time that they had froze the auto payment. They were also processing foreclosure on a probate property for non payment due to their having frozen the auto payment. They sent mere an email staying them works not process the pay off until I paid the additional amount for the insurance. This is what I consider as extortion and fraud since the insurance was issued in the name of my deceased parents for a period that proceeded the pay off date and was a result of their actions.
Product: Credit card

My wallet was stolen while on vacation in Georgia and was used at XXXX different locations. I immediately canceled the card then filed a police report and a dispute with the bank. The bank then told me that there was no error occurred despite being given a police report and refuse to give me my money back.
Product: Credit reporting or other personal consumer reports

The following hard inquiry currently listed and showing on my XXXX XXXX and Experian credit report is unauthorized and not my hard inquiry : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXXXXXX XXXX XXXX XX/XX/2023
Product: Debt collection

XXXX XXXX XXXX has been relentlessly harassing me via postal mail as well as calling excessively. on XX/XX/XXXX I sent them written notice to opt out of any and all authorization and they still persisted in communication even in obtaining my credit report putting inquiries on my consumer report. The account they are attempting to harrass me over has been paid in full and the original creditor failed to send me a copy of the 1099 c and never provided the certificate of indebtness. According to law, income can not be reported on a consumer report. What I found instead is that instead they sold my information to XXXX XXXX XXXX Damaging my consumer report and tainting my borrower reputation. According to 15 USC 1681-6508 not only are they reporting incorrect information they are violating 16 CRF 313 and privacy act of 1974
Product: Credit reporting

I have been fighting with Equifax for 2 years to remove this unverified debt from my credit profile. XXXX, XXXX XXXX have also asked Equifax to stop reporting this false information and they have failed to do so. I '' m looking to have this removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account 's information ASAP : XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Terminated the lease of the car in XX/XX/2017. The finance company resold the car for more and will not remove the account from my credit after multiple requests to do so. Fraudulently submitted an auto claim to my insurance company without my knowledge or approval. Repeated phone calls to personal phone, employer and credit inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

Company name is Real Time Resolutions. 

I paid this account through a settlement in XXXX of 2020. The account shows as closed but still reports as delinquent and the account missed payments will not age due to the way Real Time is reporting this as delinquent. I have reached out to them several times and filed at least 3 disputes. They have sent a letter to me which I will attach, however they still have not removed the delinquent status from my account. Please let me know if you can assist.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX payment in full XXXX XX/XX/XXXX talk to them about remove it XXXX XX/XX/XXXX call about remove it XX/XX/XXXX call about remove it XXXX XX/XX/XXXX call about remove it XXXX XXXX XXXX XXXX  XXXX years ago he had a XXXX XXXX the car was total lost since I was a co-signer on the car I call them I pay in full I was told that they was going to remove the car from credit after I pay it off, well I pay the car off now its been 5 months they havent remove the car from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXXXXXX XXXX XXXXXXXX. added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA XXXXXXXX XXXX XXXXXXXX. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to a copy of my most recent consumer reports from XXXX, XXXX, and XXXX. I noticed that PennyMac Loan Services/PennyMac Financial Services are reporting nonpublic financial transactions information on my consumer report. I did not give any of the aforementioned companies written permission to report this information. I want the following account 's transactional information removed from my consumer report immediately. 15 U.S. Code 1681c states no adverse information to be reported on my consumer report. 15 U.S. Code 1681b ( 2 ) states that ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I would like to see the written permission with my wet signature from the companies authorizing them to report this account 's information. 15 U.S. Code 6802 ( b ) - Opt Out, states I have the right to opt out and exercise my right to nondisclosure of my information. 

Pennymac Loan Services , LLC Acct # XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$110000.00} XX/XX/XXXXXXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$24000.00} XX/XX/XXXX