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

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Record type Bankruptcy XXXX  XXXXdischarged Court US BK CT-XXXX XXXX XXXX ACCOUNT : SOC SEC ADMIN OFFICE O Account number XXXX INQUIRY : XXXX XXXX XXXX  Inquiry date - XX/XX/2023 XXXX U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Product: Credit reporting, credit repair services, or other personal consumer reports

Fortiva was paid off XX/XX/2020. I set up a draft for biweekly payments of {$32.00} I never received any communication that there was a problem with the transactions and did not know anything was a problem until It ended up with collections. I tried to talk to fortiva and they said take it up with the debt collection write off company and that company could not verify my payments. This should be illegal. Credit card companies are doing this all the time. It is not right!
Product: Bank account or service

Bank of America closed my checking account without providing notice or an explanation. This has caused me damages with regard to payments made out of that checking account prior to it being closed. 
Further, I have no access to the funds that were on deposit of approximately {$3200.00}. They state that they 've mailed out a cashier 's check on XXXX and it could 10-15 business days to get here. I needed that money to cover expenses. 
I feel that the issue sprang from a personal check I deposited via their image-deposit feature on their smart-phone app. That check was in the amount of {$250.00}. Their Risk and Fraud department called me the next business day ( XXXX ) to let me know that a deposit had triggered a " red flag ''. When I explained that I used the image-deposit feature, they accepted that as being the cause of the red-flag. 
I do not know what the official reason is for the closure, however I feel that I 'm incurring unnecessary hardships because of an arbitrary corporate decision that was most likely caused by Bank of America 's inability to process an image-deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed that after I dispute some information the Credit Reporting Agency ( Equifax, XXXX, XXXX   ) like to leave comments on each account. 

I have asked them in multiple letters to remove ALL comments from each account, especially the words, Dispute Resolved - Consumer Disagrees or Consumer disputes after resolution and Comments that include the payment history??? Why is this even necessary, these comments are intentional AND detrimental to me personally, financially, and to me advancing my career. 


I have NEVER asked that these statements be made on my behalf. These statements/comments should be erased immediately.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Previous complaint # XXXX - XXXX filed XX/XX/XXXX.TCF Response dated XX/XX/XXXX " Acknowledges {$140.00} in overdraft fees '' and only refunded $ XXXX Still owes me $ XXXX of the Total {$140.00} AND - I -did NOT " Agree to a " Partial payment '' - My Status is " OPT-OUT-No Fees '' - {$85.00} is What is Still owed to me- For TCF Bank " charging/withdrawing my Money out of account '' OPT-OUT " Means NO_FEES **. 

_________________________________________________________ AND, Under ( previous/Above/Complaint ) and Under TCF Response - Also, Acknowledges : Under Minnesota XXXX Courts XXXX ; XXXX TCF is to pay refunds to customers who " at the time between XXXX who ( where ) in OPT-IN- to overdraft services and paid overdraft fees that were ( NOT ) waived or refunded, and otherwise meet criteria specified in the CFPB and OCC-reviewed ( refund ) Plan. Enclosed are ( Proof of " Actual '' statements for XXXX the Amounts Year-to-Date of the " Overdraft fees '' for Each Year- TCF- as with above ( previous complaint ) Response " Acknowledges " account ending in XXXX for XXXX the Total Fee " reversed '' is {$590.00} '' XXXX 

XXXX Total overdraft fees {$1600.00} - minus {$210.00} reversed = {$1400.00} still owes ( me ) *** XXXX Total overdraft Fees {$730.00} - minus {$35.00} reversed = {$700.00} still owed to me **** XXXX Total overdraft fees {$640.00} - minus XXXX reversed = {$430.00} still owes meXXXX XXXX Total overdraft fees {$300.00} - minus {$140.00} reversed/refunded = {$160.00} still owes me ****** Grand Total = XXXX {$1400.00} / XXXX {$700.00} / XXXX {$430.00} / XXXX {$160.00} / ____________________________ TOTAL {$2700.00} OWED TO ME ___________________________________ REVERSED ( refunded amounts ) : XXXX {$210.00} XXXX {$35.00} XXXX {$200.00} XXXX {$140.00} _____________ total refund {$590.00}
Product: Debt collection

I received letters from bankruptcy lawyers in the mail stating that I'm being sued by a company that I have not dealt or have a contract with ( Midland Credit Management )
Product: Credit card or prepaid card

I bought a XXXX transact card onor around XX/XX/2021 i put XXXX dollars on it and when i tried to activate it they told me they closed my Account becaise of frsud on a previous acvount. I told them i never had an account and they ignored me and tokd me id get my money in so long and hung up
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not ask for a security freeze to be put on my credit The problem is the verification/validation Transunion did not verify the XXXX XXXX collection account on my credit. XXXX is not a valid form of verification. XXXX XXXX is a third party collection agencies they do not have my full social security number. Identity theft is so easy especially through the hacking of computers. I have contacted XXXX XXXX with a validation letter and have not gotten a response so therefore I know you did not contact them verbally and speak with someone because I was told that the XXXX representatives are not allowed to call the creditors nor the collection agencies. I sent Transunion a method of verification form that was never filled out.. Once again XXXX is a web based automated system that Transunion use . That is not verifying this account. I will be contacting the president of Transunion XXXX XXXX XXXX if this account is not removed immediately. The account not verified nor validated are XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove fraudulent unauthorized inquiry from XXXX XXXX XXXX  on XX/XX/2023 off my report with monetary relief or provide wet ink signature or proof in writing within 30 days.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX XXXXXXXX XXXX '' has been inaccurately reported by Experian with late payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These reports are incorrect, as this account has been consistently paid on time and should reflect a " paid as agreed '' status. This erroneous reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to maintain accurate and fair information under 15 USC 1681. Experian is required to conduct reasonable investigations to ensure the accuracy of consumer reports ; however, these inaccuracies persist. Additionally, 15 USC 1666B establishes protections against adverse reporting of payments in cases of errors or disputes, further highlighting Experian 's failure to comply with federal law. These reporting errors have severely damaged my credit profile, hindering my ability to secure a business loan and housing for my family. The continued reporting of these late payments has caused undue financial and emotional distress. I request immediate action to correct this account by removing the inaccurate late payment history and updating the account status to reflect " PAID AS AGREED. '' If this issue is not resolved promptly, I may be forced to escalate the matter through legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have demanded that these agencies remove these accounts from my credit report. That I did not give permission to be there.
Product: Debt collection

I had several XXXX XXXX  appointments in XX/XX/XXXX- XX/XX/XXXX and my insurance company ( XXXX ) processed all of the claims to my deductible, which was incorrect. Because this was incorrect, I did not pay the amounts I was being told I owed, and eventually amounts went to Merchants Credit Association. My health plan documentation clearly stated that ALL physical therapy services would be 100 % covered by XXXX after the member pays a {$20.00} co-pay. When I contacted XXXX to ask why my claims were processed toward deductible instead of co-pay, they stated that in order for me to have had my claims processed toward co-pay I would have needed to have had my appointments at a doctor 's office or a free-standing physical therapy facility, rather than at an outpatient department of a hospital, which is where I had my services done. However, there was no language in the schedule of benefits that mentioned place of service as a determining factor in how benefits are applied for physical therapy services, whereas other short-term rehabilitation services such as occupational therapy actually specified that benefits were dependent on place of service. My husband appealed XXXX 's decision explaining all of the above and provided PDFs of the language used in the schedule of benefits. While we waited for the outcome of the appeal, I also appealed the amount owed with Merchants Credit Association ( MCA ). Shortly after that, XXXX sent us notice that they denied our appeal. On XX/XX/XXXX, my husband contacted the Washington State Office of the Insurance Commissioner ( OIC ) to request that they act on my behalf to complain to XXXX about their claim decisions and the denial of my appeal. On XX/XX/XXXX, the OIC contacted me to inform me that XXXX had reversed their claims decisions and had reprocessed all of the appealed physical therapy claims to {$20.00} co-pays for each visit. That same week, I received new EOBs from the hospital where I had the services completed which showed the new processed amounts. Because my hospital printed out new EOBs, my assumption would be that they would either contact MCA to stop the collection of a debt that was no longer valid, or that MCA would send me a new collections notice with the corrected amount owed. Neither of these things have happened, and I was recently informed that sometime between XX/XX/XXXX and XX/XX/XXXX, MCA reported my collections amount on my credit report. I was never given the opportunity to pay the amount I truly owed before they put the collections amount on my credit report and I believe this to be wrong because MCA is required by law to send me notice of the valid amount, but the last notice I received from them was no longer valid.
Product: Debt collection

Couldn't find a suitable selection for this one as I have no idea who these people are. So I picked whatever just to get this going. I've been getting calls from a XXXX area code based out of MO for some time. I also get them from a XXXX area code in the same state. This harassment has been going on for weeks if not months especially for the XXXX area code. No idea if the 2 are associated. I've blocked all of the numbers they call from. Today I got sick of it! I picked up the phone and before I could hang it up I heard a prerecorded voice say that it had something to do with XXXX XXXX I didn't listen to the rest I just hung it up. I called the number back and this guy named XXXX XXXX XXXX. I asked who they were, he kept giving me the name of the company as if that means something to me. It doesn't! He refused to tell me who this company was, why they continued to call my number like the numerous scammers that keep harassing people. He just kept assuming if he told me the name of the company that some how I'd know who they were! I still don't! Then he suggested I look them up, I did after I got him off the phone and still don't know who they are. He refused to tell me who they were trying to reach but kept trying to get me to give up personal info to him as if I'm that stupid! He's the stupid one! He was polite and professional but I wasn't. I don't appreciate anyone interrupting me with stupid nonsensical calls that don't tell you who they are, who they're looking for or why they're calling. I lit him up verbally and hung up. I have no business dealings with them and they're not in my contact list. I'm sick of scammer calls and will not tolerate any from so called legit businesses. I no longer care why they were calling it better not happen again.
Product: Bank account or service

On XXXX XXXX, 2016 I swiped my card to pump gas at Shell located at XXXX XXXX XXXX XXXX NC. When I went to make a purchase immediately after pumping gas, I discovered that Shell had placed a hold of duplicate transactions of XXXX dollars. In other words, they had held a total amount of XXXX dollars on my card when I had only pumped XXXX dollars of gas. I went back to the store to talk to the cashier and she was an XXXX Lady and she refused to hear what I was saying and said that she was not going to do anything. Later, I was able to call my back and cancel the XXXX transaction but I just noticed that Shell still has a hold placed on my card of XXXX dollars on my card account. This hold has been there since last Friday and I would like my funds released so I can use them for myself. I am not able to use these funds because Shell is holding it and I think it is very unfair to hold my money this long and for this amount for a {$25.00} gas purchase.
Product: Debt collection

This company has tripled the amount of the original debt and attached legal fees that they have established. They have placed a lien on my property and sent the sheriff to my house. 

I have called this company and asked for a resolution and they have not offered any suggestions except demanding payment. I am willing to pay the original fees. Again there fees is triple the amount of the original debt.
Product: Debt collection

A collection under the name Online Information Services appeared on my credit report as collecting for XXXX XXXX. I never received any notices detailing that I owed XXXX XXXX any money. I disputed with XXXX and they returned a notice claiming they received verification of the debt. There is a note on the acct that also states repayment is managed by court trustee. I have no clue what they are talking about and would like this removed off of my credit report. I have attached the dispute result that I've received.
Product: Checking or savings account

My name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

sent validation letters and called all credit bureau for them to investigate, also contact this alleged junk debt collector by phone to self investigate and they threaten me if i dont pay, the guy would not answer any of my questions instead transferred me to a non working line. 
letter sent to credit bureau listed below ... and behind the letter is the companies information which has no account number etc.,
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several legal statutes and regulations relevant to my accounts with Capital One. As a responsible consumer and account holder, it is imperative that I ensure compliance with applicable laws and regulations governing financial transactions and consumer protection. 

Firstly, I wish to address the provisions outlined in 15 USC 6506, which pertains to consumer privacy and the safeguarding of personal information. I would like to exercise my rights under 15 USC 6802 to opt out of certain information sharing practices, as provided by law.

Furthermore, I seek clarification regarding the Electronic Fund Transfer Act, as codified in 15 USC 1693, to ensure that all electronic transactions associated with my accounts are conducted in accordance with federal law.

Additionally, I have concerns regarding purchase money advances and potential violations of 15 USC 1666, which governs fair credit billing practices. Any discrepancies in this regard must be promptly addressed and rectified.

Moreover, I have reason to believe that there may have been instances of securities fraud, as prohibited by 16 CFR 328.6, associated with my accounts referenced under account numbers # XXXX and # XXXX. I urge Capital One to conduct a thorough investigation into these matters and take appropriate action to safeguard my interests. 

Furthermore, I request a comprehensive review of my CreditWise report, identified by ID XXXX, in accordance with the provisions of 12 USC 1411 and 15 USC 1611, to ensure accuracy and compliance with federal credit reporting laws. 

I trust that Capital One will take prompt and effective measures to address these concerns and provide me with a satisfactory resolution. Please acknowledge receipt of this letter and provide a timeline for resolving the issues raised herein.
Product: Vehicle loan or lease

Santander Consumer repossessed my vehicle on XX/XX/18, and failed to notify me prior to doing so denying me and/or family members the option and legal right to resolve any delinquency prior to repossession as I had been hospitalized for 3 months and Santander had been appropriately advised. 

While repossessed, money {$3700.00} ; {$100.00} Visa Gift Card ; taken from my wallet which was inside the vehicle {$240.00} in groceries inside the trunk ; when it was repossessed ; and for severe damage the vehicle incurred while in their possession e.g., biological hazard, specifically, mold, front and rear fender ( s ) damage ; and damage to the rear upholstery of vehicle. 

PLEASE SEE ATTACH EMAIL COMMUNICATION TO XXXX XXXX, CORPORATE OFFICE OF SANTANDER FOR DETAILED EXPLANATION.
Product: Debt collection

Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that PROCOLLECT , INC is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Product: Credit reporting or other personal consumer reports

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.
Product: Credit reporting or other personal consumer reports

After pulling my credit to attempt to get a house, I noticed with the report I had 7 total accounts opened/late that I did not open under a company called Affirm Inc . 

After extensive research, and digging in I found that my social was somehow used under a XXXX XXXX name. I called in to get this fixed since I am nowhere in their system, but because my social was stolen and being used by someone else I couldn't get anywhere. 

Below is a list of fraudulent account that my identity was stolen to open under someone else 's name/address/phone number/ etc. 

AFFIRM INC Balance updated : XX/XX/year>, Past due amount : {$34.00} AFFIRM INC Balance updated : XX/XX/year>, Past due amount : {$54.00} AFFIRM INC Balance updated : XX/XX/year>, Past due amount : {$63.00} AFFIRM INC Balance updated : XX/XX/year>, Past due amount : {$51.00} AFFIRM INC Balance updated : XX/XX/year>, Past due amount : {$66.00} AFFIRM INC Balance updated : XX/XX/year>, Past due amount : {$68.00} AFFIRM INC Balance updated : XX/XX/year>, Past due amount : {$60.00}