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

I have just been XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.Been in since XXXX, when i reviewed my credit report with my XXXX XXXX XXXX they was outstanding balances on the report that was not from me... i have been a victim of Identity theft ..also i have sent proof to XXXX credit bureau... i just want to get this cleared up thank you
Product: Bank account or service

I am using Bank of America online bill-pay to send bank-issued checks to payees. When setting up a payment I can choose the " deliver by '' date. In the past the checks would always reach the payee by the " deliver by '' date ( or sometimes even earlier ). However for the past year ( or so ) the checks NEVER arrive by the " deliver by '' date but they reach the payee 1-2 business days after that date. I contacted BofA customer service on XXXX different occasions and they claimed that " everything is normal '' from their end and that the checks may be " delayed by the post office ''. Unfortunately the envelopes are not postmarked so there is no way to know when the checks are actually mailed. However ( 1 ) the BofA checks are always & consistently late by 1-2 business days ( 2 ) the checks are similarly delayed for XXXX-XXXX different payees I am in contact with and ( 3 ) all other mail seems to arrive within 1 or 2 business days from the postmark date. All these point to the conclusion that the delay is with the bank and not with the post office. It also seems that the bank misrepresents the free bill-pay service providing a " deliver by '' date that is never met, presumably as an indirect way to promote other paid-for alternatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing on my credit a collection in which I do not owe. I cancelled my insurance before the renewal when I was told my insurance would double due to an accident. I paid the account in full at the end of term.
Product: Debt collection

So l googled laws pertaining to this.. 15 USC 1692c ( c ) states if I refuse to pay any debt especially if it's not mines the debt collector must cease all communication with me, so reporting inaccurate things on my credit profile is a form of communication and they are breaking the law by doing that.. This company have an address linked to this account that's clearly not mines.ALL CEASED AnD DEASE COMMUNICATIONS OR I WILL HAVE TO TAKE LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of  this information. 

Also, update my personal information to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.
Product: Credit reporting

customer service would not help and take care of the negative inquiries reporting to your credit report.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Huntington Bank states that it will not receive a written letter of revocation of authorization of electronic debits. I have notified the company making the withdrawals. I do not need to stop an individual payment, but rather to notify Huntington Bank that I have already revoked authorization with the company but want the bank also on notice of such and that the company is not authorized to make any future electronic transfers. The branch office says it will not receive this letter. I can not find any address, etc., on line to send this letter to. I have called the Huntington 's XXXX number for customer service, and no one can give me a name, address, telephone number, etc. I was attempting to use your agency 's form for the letter of revocation to send to the bank. It appears that Huntington does not honor such revocations, and I find it very problematic that the bank in which I deposit my funds refuses to stop electronically transferring funds upon my instruction and has no method by which I can give this instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested full file disclosure twice and never receive requested information.
Product: Credit reporting

Have not received a final response on the dispute. My personal information has been changed specifically my name to XXXX ( my criminal brother ) from XXXX and my address has been changed to XXXX XXXX address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the auto loan lender and requested the late payment dated back in 2017 of XXXX be removed and I haven't received a response.
Product: Student loan

This loan was reinstated to AES on XX/XX/XXXX. The agreement was for me to resume payments starting XX/XX/XXXX. My balance on loan was XXXX AES block me from being able to login to my account. They reported to dept of education that I was delinquent on my account for 60 days in XX/XX/XXXX. XXXX said my account was reinstated on XX/XX/XXXX, XXXX AES accrued interest on this loan since XXXX XXXX AES refused to send any information via USPS. By the time I could login to my account the balance was thousands of dollars more then the starting point that it was supposed to be. I have contacted them with no results. With covid-19 the NY attorney general 's office was not able to help me as they did before. I contacted FSA ombudsman. They were trying to get information from AES for months. AES said too much accrued interest was added on to my balance & they could not do anything. AES withheld information from me from the start. This XXXX parent loan in the amount of XXXX is now over XXXX and rising. AES has made it impossible for me to afford payments on this loan. The agreed amount was to resume at XXXX AES manipulated this loan behind the scenes without my knowledge. Now it's out of control & now I can not afford payments. This has been a nightmare for me trying to get answers from AES. AES purposely mislead me so they could accrue interest on this loan. Thank you for your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Opened an account with coinbase and bought crypto currencys, then they locked my account and I can not get my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX  XXXX XXXX  XXXX 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, credit repair services, or other personal consumer reports

I began disputing inaccurate information on my credit report XXXXXXXX XXXX XXXX with all three credit bureaus. I thought they were to only report what was accurate. I asked them to send me investigation information seeing that neither of them were reporting the same info. Nothing has changed and it's harming me financially. I can ask for monetary remedies, as they're violating my consumer rights.
Product: Payday loan

Getting multiple calls a day from a company who claims to be representing Castle Payday loans. They call from XXXX. They indicate I owe them {$1500.00} and are threatening legal action. They indicate the loan was from XX/XX/2015. I told her I do not remember taking a loan like this and asked them to provide proof the debt is mine and they indicate they can not do that unless I pay money for a " conditional release letter '' and demand that I set up payment arrangements to pay the {$1500.00} back. I told her I was not going to pay anything and I asked her to provide me the number to who they claim is the original creditor and she said she ca n't because that would be a conflict of interest because they were hired to " deal '' with me. They are calling my ex-husband, as well as several family members. I asked them to mail me proof the debt is mine and she said the fact that she has all of my information is proof enough. I asked her to stop contacting family members immediately and provide me the proof I am asking for. She told me they were not going to stop until it was paid. When I refused to set up payment arrangements she threatened me with jail time ; told me she pulled my credit and saw there was no identity theft indications and also that they pulled police records on my name and were able to determine I never filed a police report that my identity was stolen. She was screaming at me that I need to obtain a good lawyer because I will pay. Additionally ; they had my maiden name, XXXX. Not my current name of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$300.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$640.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX Balance : {$510.00} CB INDIGO XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  XXXX A XXXX XXXX Balance : {$660.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX  XXXX XXXX XXXX # XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX  Services Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX. 
Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX. 
Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Furnisher : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dispute Authorization and Multiple Violations of Fair Credit Reporting Act I '' hereby authorize this dispute that is regarding XXXX XXXX, a sales financing company. It is important to note that this dispute was not sent by an unauthorized third party or credit clinic, '' I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letter. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts when in reality, these were the result of a scammer 's actions. This misleading and unverified reporting directly violates the Fair Credit Reporting Act ( FCRA ) and its fairness requirements. FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This non-compliance is subject to civil liability of up to {$1000.00} per violation. FCRA Section 605B - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. Remember that this offense carries a penalty of up to 2 years of imprisonment. FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations concerning Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights. FORA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). Reporting such deceptive information is unacceptable In addition to the violations mentioned above, I remind you of the previous violations outlined in my initial dispute letter, including the violation of the Debt Collection Practices Act, Identity Theft Laws, Acquiring Location Information Regulations, Timely Payments Regulations, Finance Charge Determination, and Credit Report Permissible Purposes. These violations require your immediate attention and resolution. Once again, I demand that you take immediate action to address these violations and fulfill the following requests : Unauthorized Inquiry : XXXX XXXX Date of inquiry : XX/XX/year> Request : DELETE!!!
Product: Debt collection

Company keeps calling stating there is fraudulent activity with my bank account and social and they are leaving messages repeatedly and saying they are accepting the message as knowledge that I received notification and will be taking further action against me and then states Good luck last message stated it was from a XXXX XXXX. I called them back and asked for their address so I could contact a lawyer due to harassment they said they were not entitled to give me there address that that information was none of my business and that they would be filing criminal charges against me for asking and for harassing them and they hung up on me. Ive been told in the past this is in relation to a payday loan of which Ive never applied for ... .I live in a WV which is a state that does not allow payday loans so it would be impossible for me to have one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries have been placed upon my consumer credit file with Transunion that do not rise to the level of permissible purpose. Accessing a file does not construed " permissible ''. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ), Transunion is required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, any aspect of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified line items that Transunion is reporting must be verified or removed. See the attached letter to Transunion requesting these inquiries be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had all my inquires that were removed with the TranUnion Data glitch. Trans Union then told me that I was n't a victim of this glitch when I originally was notified that I was a victim. They then reinserted the originally deleted inquires. I would like these inquiries deleted per Sec 611 which pretty much states that anything deleted and reinserted needs a 5 day reinsertion letter, which I never received. Therefore I am requesting that they remove the following inquires. <P/>1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXXXX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX/XXXX  XX/XX/XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX/XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.  XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 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 the 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 this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

Please delete these items listed below IMMEDIATELY! 
NAMES | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( 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 the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX Account number XXXX. 
XXXX XXXX XXXX - Account number XXXX. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you