23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/year> at XXXXXXXX XXXX XXXX I deposited around XXXX to XXXX dollars in an ATM at one of the branches that I was near at the time. When the machine was counting the money it showed an error and didn't deposit my money nor give it back. Instead it gave me a receipt stating to call their customer service number and inquire if the deposit went through. I called the customer service number and was told I would be credited the amount that I deposited but I felt like it wasn't going to be a quick process.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have inaccurate information on my credit report that does not belong to me. I sent my letters and the FTC report to the credit bureau, and they do not want to remove the accounts that do not belong to me Equifax report 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 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 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 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 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

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. This has cause me great XXXX XXXX and financial hardship.
Product: Debt collection

Sunrise Credit Services calls me daily despite telling them several times to stop. They do not specify who they are when they call, and when I ask, they only tell me their names. It is only when I prod them for more information that they reveal the call is regarding a personal business matter. 

I only know the company name because I have unknowingly returned missed calls to them. Otherwise, I refuse to engage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Company collection for XXXX XXXX XXXX in the amount of {$100.00}. This account is years old. It was settled. It popped up on my credit report sometime after it was paid. I disputed it when I become aware of it and sent paperwork to confirm to XXXX. It was removed from my credit report for a period of time. I became aware that it was added back again when applying for credit and being denied. I again disputed and asked for dates, and payment history, which I never received. I have not received notice directly from Enhanced Recovery Company, it only keeps popping up on and off on my credit. It shows on my credit as if it was placed in collections on XX/XX/2018, even though I haven't had XXXX XXXX in more than 3 years, it was initially disputed prior to XX/XX/2018 and readded. The only other explanation is someone else fraudulently used my name because I have not had XXXX in years for any services. I have now been denied credit twice before of this false reporting. It is harassment. I have 24 credit accounts in excellent standing with credits of up to {$20000.00}. This one false negative reporting for {$100.00} has stopped me from getting credit. Enhanced Recovery Company placing this on my credit report without sending me notifications through mail, without providing an account history, it being removed more than once after being disputed to only show up again is harassment.
Product: Credit card

I reported fraudulent charges to XXXX XXXX on XXXX accounts and XXXX credit cards and XXXX  and they refused to remove the fraudulent charges and closed my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out about an ongoing issue that has yet to be solved dealing with my TransUnion consumer report. I have been dealing with this inquiry for the past month now. This inquiry is deemed as fraud. I reached out to XXXX who provided me with a deletion letter requesting that the inquiry be removed. I sent this letter along with a cover letter requesting that TransUnion remove this inquiry from my consumer file ; nothing has yet to be done. When I spoke to a TransUnion rep, I was told that I needed to send a deletion letter along with a copy of my ID and SS. I have done exactly that yet, and the inquiry is still there.
Product: Credit card

I was charged a {$40.00} dollar late fee for a payment paid today that was due on XX/XX/year>.
Product: Debt collection

XXXX XXXX XXXX XX/XX/year> Cease and Desist Dear Resurgent Capital Services, Please cease and desist all communication attempts. This includes phone calls, text messages, letters in the mail, contacting my employer, my relatives and social media. Do not contact me at all! Any further communication attempts will result in legal action taking against Resurgent Capital Services for violating sections of the FDCPA including but not limited to section 805 Communication in connection with debt, 806 harassment and Abuse and section 809 Validation of debt. 

Best Wishes XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to  obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXXXX
Product: Checking or savings account

XX/XX/2021 was charged XXXX overdraft fees totaling XXXX dollars on transaction XXXX of the XXXX dollars XXXX and XXXX dollars but due to td banks delays between the balances such pending balance and available balance in my checking they do not calculate there charges and delay them there for putting you in a congruent cycle of over draft whole you assume you have funds they due it via there discretion but capatilize on low balance moments to compound more fees a highly predatory practice.
Product: Credit reporting or other personal consumer reports

Barclaycard US is very deficient in resolving issues for their clients. They allowed XXXX XXXX XXXX to rebill an outstanding disputed charge on my card without my knowledge. I proved where the company had inappropriately billed me twice for {$2600.00}. The person at XXXX XXXX XXXX was supposed to get this credited, but left the company whose name is XXXX XXXX. 
I had worked with XXXX XXXX to get my site up after the second time it was taken down. We agreed to {$2600.00} for " bandwidth '' issues ( I have proof of this ). The company double-billed me. XXXX was going to resolve but ended up leaving the company. 
I called XXXX day to try again to resolve the situation, and someone answered as XXXX. I knew it wasn't him - mannerisms and voice tone were different. I asked to be transferred to Accounts Pay to retrieve my money that was double-billed. XXXX ( whom i find later is the COO ) answered and said, " Thank you XXXX ''. I told her that XXXX impersonated and said he was XXXX. She acted surprised but now I know they all just play games. 
I filed reports with the Federal Trade Commission - FTC # XXXX and FTC # XXXX which I will be happy to give to whomever investigates this situation and the other many documents that back up my story which I was not able to include here. 

BarclaycardUS is a disgrace parading as a business. They are criminally negligent in their dealings with consumers. They won't even own up to their mistakes- which are too many to recall here. 

Instead they sent my disputes to be resolved with the XXXX credit bureaus. I locked my card before I realized what had happened and tore up the card - and still because XXXX XXXX XXXX had sold my information on the dark web - the card number was used to purchase some video thing - which I have no clue about. I disputed this charge but Barclaycard is holding me responsible for this charge also. 

They would not close the card for me when I asked after I realized I had been double or rebilled. Finally XXXX of the reps- whom are all VERY BACKWARD because of the company = finally closed the card and did a reissue which I have not activated. Barclaycard has no record of when I locked the original card since was destroyed. 

Further on XX/XX/year>. I called and spoke with XXXX at Barclaycard customer service. I asked her about the dispute, and she said XXXX was unable to close it. I said that This is a blessing from XXXX, and told her to never close the dispute because I felt something shifty going on. ( But with Barclaycard you never receive a straight answer or the same answer twice in row. Barclaycard in their own way is as bad as XXXX XXXX XXXX. It is a no-win situation with both companies for consumers. ) Well, sure enough the XXXX crooked companies rebilled this without my consent and without talking to me. What kind of business does this kind of stuff? There is NO CONFUSION. I knew exactly what they were doing and I did NOT agree to pay {$5200.00}.
Product: Mortgage

NationStar has continuously refused to deal with me honestly & fairly. I fell behind in my payments when my husband died but now I have help from a neighbor trying to reinstate my mortgage. We started about 4 months ago, got a reinstatement amount, and were told by the attorneys that NationStar told them to refuse the check. Since then we have gone from around {$25000.00} reinstatement to around {$40000.00} reinstatement with no explanation of fees. I do not believe I should have to pay for anything since the refusal of the reinstatement check several months ago since I offered payment of all back payments & expenses. I have emails back & forth from NationStar showing where they refused to send what we requested. From the limited details I have, I have been billed for services that were never performed and overbilled for services ( like {$400.00} to put a lockbox on the door ). I now have the ability to reinstate the mortgage, but refuse to pay for things that I do not really owe. All I am asking for is a detailed accounting of these expenses & credit for items I should not have to pay. 

I 'm asking for an investigation of my account ( and others if you like ) to show a pattern of fraud & abuse. 

I have many more comments & details concerning my frustration & aggravation as a XXXX American trying to save my family home of XXXX generations ...
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM.

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Experian is saying my information doesnt match to the ability to dispute is unavailable while XXXX XXXX saying they cant verify my identity but have breaches in security by sharing my information and allowing over 20 fraudulent inquiries to accumulate on my report. XXXX will not give me access to view or dispute fraudulent activity on my account which is creating a false image of my financial discipline. 
I have identified the following accounts and inquiries on my credit report that I did not authorize or have knowledge of. I am asking for the credit bureaus to review and update my consumer report immediately. I am completely disheartened that XXXX cant trust credit bureaus or anyone to hold them accountable for unfair practicing on me as a consumer.
Product: Credit reporting

I have disputed this account particular account more than 10 times with t he credit agencies and the creditor. The creditor has failed to validate the debt yet the credit bureau will not remove it and its damaging my credit file immensely!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to REGIONAL FINANCE XX/XX/2022. I sent a Cease and Desist letter informing them of violation I notice. 

They consistently called 3x 's a day despite the correspondence. 

They are also creating accounts w/o my knowledge as well as consist. There are 4 accounts they have made up XXXX, XXXX, XXXX ; with 3 different amounts old. 

My report on XXXX reports account number XXXX with a balance of {$2200.00}. XXXX with a balance of {$2400.00}, and XXXX original loan {$1500.00} ( CLOSED ) Contract they have on record says account number XXXX. 

My Consumer Reports have all 3 accounts on them. 3 accounts have a balance I'm not sure how they did this w/o my knowledge. 

They are now committing fraud and identity theft. 

In response to my letter dated XX/XX/2022 they have sent me 3 different correspondences dated XX/XX/2022 with an account number XXXX XXXX amount : {$2100.00} late charges : {$110.00}, XX/XX/2022 with an account number XXXX XXXX amount : {$2100.00} Late charges : {$150.00}, XX/XX/2022 with an account number XXXX XXXX amount : {$0.00} all 3 correspondences had the same contract attached to it. 

As a debt collector REGIONAL FINANCE has violated multiple code pursuant TILA and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three collections reporting on my credit file for over many years with. The debt is being bought and resold under other companies, after the investigated under the previous companies and deleted. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Equifax, XXXX and XXXX all allowing this to repeat after each bureau has repeatedly removed these collections I have never owed.
Product: Student loan

My account keeps getting placed in a forbearance I did not request. I have made multiple requests to be taken out of forbearance over several months to no avail. I try to set up automatic payments early and assumed they were going to be made but each time before that I get placed in unrequested forbearance and monthly payment goes unmade. I have tried to rectify and correct this motions time but each time the same thing hastens and now I am {$4000.00} deeper in debt. 

I also applied for the SAVE program back in the fall of 2023 and am still waiting for that to process. I have made the requested {$500.00} payment to change payment plans and am receiving notification that my payment is still required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX inquiry that was not authorized
Product: Money transfer, virtual currency, or money service

I XXXX  someone by accident and callen my bank and they couldnt not refund my money
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Checking or savings account

truist bank XXXX XXXX XXXX XXXX XXXX North Carolina, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX that is emails received ect ive ask them which onwn no suntrust or truist account dis at one time they are emailing me like i have an account refuse to stop have no unsubscribe on email and ftc complaint ftc XXXX i would love to see you ftc fine them a few billion $ they deserve it
Product: Credit reporting, credit repair services, or other personal consumer reports

1681s-2 ( a ) ( 1 ) ( B ) - After a dispute, the information can not be furnished if the information is in fact inaccurate.

AFFIDAVIT Notice, it is a fact, affiant is aware, This information has been disputed. After this procedure upon discovery, my consumer report is still showing the information inaccurately. This is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) and the account must be removed. 

This furnisher is not following industry 's own Metro 2 Compliance and reporting ACCURATE AND COMPLETE information and they have not, which is a violation of the FCRA. I have prepared my exhibits in case arbitration or litigation will be a necessary step going forward
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. 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 am submitting you this CFPB Complaint today to have you, once again, to correct my Credit File from erroneous reporting of accounts and information. Under the Fair Credit Reporting Act, I am entitled to request from you an investigation and have the erroneous information corrected as soon as possible. I am submitting this Complaint once more to demand of you to correct my Credit file by updating or removing the following accounts from my Credit File as soon as possible : 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 Also, on my previous Complaints and dispute letters, I have been requesting that you send me copies of documents resulting from your investigation and up until now, I received nothing! Your inability to prove me with my requested documents should have resulted in the correction or deletion of the disputed accounts.