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

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX  who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant. XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I visited Kia Motors to lease a new car as my previous lease was about to expire. I learned that the sales manager submitted XXXX credit checks on the same day. 
This has had a negative impact on my credit rating.
Product: Debt collection

I reached a written settlement agreement with Citibank , N.A . in XXXX and made monthly payments. Due to long-term unemployment that lasted from XX/XX/XXXX-XX/XX/XXXX, I was unable to make payments in late XXXX, so Citibank received a default judgement against me in XX/XX/XXXX. 

The attorney for Citibank sent a letter to me on XX/XX/XXXX and offered to modify the XXXX settlement agreement by letting me pay {$46.00} a month. I made the payments from XX/XX/XXXX through XX/XX/XXXX and sometimes paid for two months at a time. 

On XX/XX/XXXX, when I was three month ahead of schedule, and had paid {$130.00} extra, Citibank, without prior notification to me that anything was wrong, garnished and placed a hold on two checking accounts and one savings account at XXXX XXXX for more than I owed, including court costs, etc. The total of the three bank accounts was less than {$1500.00}. 

On XX/XX/XXXX, I filed a motion to exempt my property of less than {$6000.00} from garnishment and mailed a copy to the attorney for Citibank by certified mail. The attorney for Citibank received and signed for the certified mail. 

I called the attorney for Citibank on XX/XX/XXXX and asked a non-attorney employee to send a payment history to me by email and by delivery through the postal service to my home. I called again on XX/XX/XXXX and another employee told me that I should receive the payment history by email within 24 hours of my initial request. However, as of XX/XX/XXXX, I still have not received the payment history by email and the hold is still on my three bank accounts. 

The illegal garnishment and hold on my checking accounts, plus not sending a payment history to me are clear violations of my rights.
Product: Debt collection

I have previously had this collection removed from my credit bureaus ... however, it is now being reported again under a different company by the name of  Alltran Education. I  do not have any contracts with this company.     As previously noted when this account was removed from my credit report, all of my communications have been with  XXXX   XXXX  University (  XXXX   ). T hey wrongfully submitted my account to collections while I was under a payment plan with them, and refused to pull it back. all supporting documents were submitted in the prior disputes. Alltran, the new collections company, contacted me to continue payments, I have been in communication with them for this student account balance, and specified to them this was the last of my balance with  XXXX  -- I previously paid out of pocket over  XXXX  to  XXXX , and this balance was the last of what was owed, which payments were being made on.. I told Alltran all payments would be made online to the creditor. however right after speaking with them, they reported it to my credit report. which appears to have been done out of spite after me telling them I would not pay them directly and it was being handled with  XXXX . I do not appreciate unethical business practices when I am already attempting to take care of this matter that should not have reached this point in the first place.  XXXX  improperly reported my balance, and breached their agreement by sending it to collections, which is why this account was previously removed from my credit report in the past. Furthermore, Alltran reporting this to my credit bureau as a " threat '' because I informed them I would not pay them directly ( probably because the representative would not receive commission for it ) is completely unethical.  XXXX  has previously taken responsibility for not properly handling my account.     Because  XXXX  has caused this much trouble for not properly handling my account, even still after the prior disputes, I have contacted a lawyer as well to handle this further.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Comenity Bank is reporting a unknown amount for an alleged amount of {$480.00}. I am not aware nor was I given note of this amount. Furthermore, the company continues to reage this debt so that it remains on my credit report. The account is more than 7 years old, I have not made contact with the company since 2011.
Product: Debt collection

Yes, Thank you I offer to settle with Midland for {$250.00} for removal. I told them this not my account, once I look back at credit report, they increase the amount. 1 amount {$3000.00} and MIDLAND CREDIT MANAGEMEN Last reported XX/XX/XXXX {$3000.00} Open balance MIDLAND CREDIT MANAGEMEN Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name MIDLAND CREDIT MANAGEMEN MIDLAND CREDIT MANAGEMEN Last reported XX/XX/XXXX {$1600.00} Open balance MIDLAND CREDIT MANAGEMEN Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name MIDLAND CREDIT MANAGEM I did not make this account, and I still offer {$250.00} for removal of both from my credit report please.
Product: Checking or savings account

I received an unsolicited debit card from XXXX/MoneyLionin the mail on Saturday, XXXX. I found the company website and called the support number first thing Monday morning, to find details about how the account was opened and that it be closed. They refused to closet the account until I provided a signed affidavit to their fraud department. On XXXX, the fraud department emailed me requesting that I complete the affidavit and provide several pieces of personal info ( driver 's license, scanned social security card, proof of residency, etc ). They did not provide a secure way to upload these documents. I am currently waiting on more information from them, but am very uncomfortable with how this was handled so far. I provided my name, address, phone number, and last four of my SSN to the customer service rep when requesting that they close the account. They would not tell me what state it was opened in or if it was used. My incident number with them is # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days and yet Transunion and XXXX still have fraudulent remaining accounts reporting on my credit file. Both Transunion and XXXX did remove some of the accounts from my identity theft report except for US Dept Ed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. In addition there are many addresses that I requested to be removed that are currently displaying as well as several different dates for date ( opened ) for each of those accounts which is inaccurate in itself. I was sure to include these accounts my identity theft report so I'm not sure why they are still showing up. Goods or money were never received by myself in relation to these accounts. I continue to be denied credit due these circumstances of which I am not at fault. I also requested a fraud to prevent this in the future. I am aware of rights under the FCRA and FACTA sections 605b, 609, 611, and 623. I expect for XXXX and Transunion to adhere or face litigation.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a XXXX XXXX XXXX can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

TransUnion credit report requested. File number XXXX, issued XX/XX/2023. Filed corrections with TransUnion and WA XXXX XXXX office. Some corrections made, however, payments made not reflected for years. Items and addresses are I as irate and my ability to obtain loans and financing are nearly impossible. Disclaimer at the end reads : wrote us back to request your original Social Security number and have that issued. I have gone to the social security XXXX office many times and never assigned a different number. This was assigned to me at an early age, XXXX. I want to seek damages from violators. XXXX party billing and collections are never ending and result in double billing, harassing phone calls, and many errors.
Product: Credit reporting or other personal consumer reports

I have now for Is the past year or Too I have sent in multiple disputes Is crediting Bureau 's and I have gotten gotten little results Except from XXXX, they have efficiently for the most part done their best to accurately Credit profile but Is XXXX and XXXX have both bear Barely put in any effort on fixing or making accurate The anacrasies on my credit profile and thus I have had issues getting business funding.And it has caused a great deal of stress and XXXX To my day to day life I can not get my business up off the ground.Nor can I get XXXX loans Because of my damage credit.I have sent in multiple dispute letters and Gotten very little help in getting the inacracies fixed.I 've been denied I've been denied for business loans and personal credit loans.That I was going to use to leverage to Expand and make my business profitable
Product: Checking or savings account

In XX/XX/XXXX, XX/XX/XXXX, and again in XXXX of XXXX, a group of scammers were repeatedly able to use my SSN to create a Bank of America Advantage SafeBalance Banking Account. 

These accounts were created with the purpose of defrauding the bank, while making me liable for their actions. 

Bank of America repeatedly ignored a freeze with XXXX, and my repeated calls to them to not allow any new accounts to be opened for my SSN. Each time this happened, they would simply close the account. When the scammers would make a new account, Bank of America would always approve it without any extra verification, in spite of all my efforts in talking to them, credit bureau alerts, and a XXXX freeze in place. 

This is pure negligence by Bank of America, and puts victims of identity theft like me in a constant state of peril with their unscrupulous operations and lack of identity verification and safeguards.
Product: Debt collection

I am getting repeated phone calls for a debt of some kind for someone I do not know. I think they are looking for someone named XXXX. I have asked them to stop but they call twice a day at least from multiple numbers.
Product: Credit card or prepaid card

I mistakenly paid Fortiva {$30.00} to a closed account. I immediately emailed and asked them to change that money to the balance of my open account. I didn't get a response. A few weeks later, I chatted via their online chat portal and was told it would be 3 days, and the money would be credited to the correct account. I checked back, and the money had not been credited. I chatted via online chat again, and was told it would be 7 days. On the 8th day, I called Fortiva directly because STILL nothing had been done. I was told FOR SURE it would be done and it would take 7 days. It has now been 8 days since the phone call and after chatting via XXXX, he told me it would be 10 days. I finally paid the account that I owed money to and am chatting with XXXX, who told me that I can request a refund once my account has a credit balance -- which it's had since XX/XX/2019. This is FIVE contacts I've had with Fortiva about this money. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX   XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and Columbus Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Bank account or service

I HAVE BANK OF AMERICA, AND I JUST RECENTLY WENT BACK TO THEM, I HAVE THEM FOR CHECKING AND SAVING ACCOUNTS, I GET A MONTHLY DIRECT DEP AND A EVERY 2 WEEK DIRECT DEP. THERE ARE SOME BILLS THAT I WILL PAY FOR VIA BILL PAY, I WILL COUNT THE AMOUNT OF MONEY THAT IS IN THE ACCOUNT IN REF TO HOW I WILL PAY MY BILLS. I HAVE BILL PAY FOR A REASON, REALLY EASY AND CONVIENT. I USED MY BILL PAY THIS MONTH AND PAID CERTAIN BILLS THROUGH MY ACCOUNT, I KNOW THE AMOUNT OF MONEY THAT IS IN THE ACCOUNT FOR ME TO PAY MY BILLS, I ALSO HAVE OTHER ACCOUNTS AS WELL. I SEE THAT BANK OF AMERICA WILL PAY FOR THE NON EMERG BILLS XXXX AND THEN MAKE THE LARGE BILLS COME OUT, BUT BY THE TIME I HAVE CERTAIN AMOUNT OF CASH IN THE ACCOUNT, I HAVE A OVERDRAFT. NOT ONLY DO I GET THE OVERDRAFT, I NOW GET THE BILL REPAID THROUGH THE BANK, EVEN KNOWING HAT I AM IN THE NEGATIVE THE BANK CHOOSES TO MAKE THAT PAYMENT AGAIN, WHICH I THINK ITS TOTALLY WRONG AND I BELIEVE SHOULD OR IS ILLEGAL, THAT IS THE WAY THAT THE BANK COULD MAKE MORE MONEY ON PEOPLE THAT HAVE ACCOUNTS WITH THEM, YOU SEEM AS OF MY START POINT I USED TO HAVE AN ACCOUNT WITH BANK OF AMERICA FROM XXXX XXXX AND FOR SOME ODD REASON I WAS GETTING A NEW CHARGE ON MY ACCOUNT, A MAINTANCE FEE. NOW I HAVE HAD THE SAME AMOUNT OF MONEY EACH MONTH AND EVERY 2 WEEKS. SO I AM NOT SURE IF I AM THE ONLY ONE THAT GOES THROUGH THIS, BUT I THINK BANK OF AMERICA IS TOO BIG FOR ITS BRICHES AND NEEDS TO REFUND ALL THE MONEY TO THE PEOPLE THAT HAVE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

One XX/XX/19 XXXX XXXX sold my loan to XXXX XXXX XXXX. They no longer own the debt, or have the legal right to collect on it or report ownership of it to the credit bureaus. I disputed ownership of the account with XXXX and they certified on XXXX that they owned the account, the account was past due and that my claim that they didnt own the debt was false.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/XXXX and XX/XX/XXXX, I sent all 3 Credit Bureaus certified letters asking for Validation of the debt stated below. They never sent me any letters and accounts still remain and have not been fully validated. 

XXXX XXXX XXXX Discover Bank XXXX XXXX XXXX and XXXX! 

Regards, XXXX
Product: Debt collection

I have a unverified account from Aargon Agency. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g,  I request that Aargon Agency Cease and Desist all further communications. Aargon Agency needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Product: Checking or savings account

I did not get the {$300.00} bonus after fulfilling offer terms of XXXX direct deposits and with {$7500.00} balance. Promo code was XXXX.
Product: Mortgage

The company withheld funds for year end property tax payment. 
They assumed my property tax would be higher than it actually was and failed to return a fair portion of my escrow account overpayment for property tax. 
I called the escrow manager and as requested sent the actual and verified county assessment for property tax. 
She said they can't make an adjustment once the credit for overpayment is sent to me. 
They are holding on to about {$2000.00} of my overpayment money until XX/XX/2024 which is not reasonable.
Product: Checking or savings account

I've been with Capital One 7 yrs, on or about XX/XX/XXXX, I couldn't use my debit card. I called & they were concerned about someone using my account. I wasn't allowed to withdrawal funds & was told to open another account & have my pension & social security deposits sent there. I did so, everything was fine until Friday XX/XX/28 my debit card wasn't working. Now the new account said I can't withdraw funds. Nothing new has happened I had just received a small loan & have gone with little food, no cigarettes, etc. When I spoke with them the young man told me " you don't remember we've been talking about this for days, but we hadn't. In XXXX my rent had been disputed, I didn't dispute it, told them to pay it. By the time they did, it took me passed my {$200.00} line of credit. I wanted to know how this happened, all they sent me was a copy of two calls I made to them, asking them to pay it, that I didn't file a claimed So the next month it happened again, I don't know who's calling & filing disputes on my rent, but this time they had to know it wasn't me. So this morning my pension came in, but I can't get my money, they want me to call them from the ATM, & they will let me take out what they say as what was covered by a {$200.00} line of credit, & some valid disputes, they want to keep over {$200.00}, & my account is closed. When I first did what they said, I noticed that no line of credit was available. I've been with them for 7 yrs, tell everyone how good they are, and they do this, no notice, no valid reason. I believe that they were talking to someone claiming to be me, maybe someone tried to dispute nmy recent rent payment. They involved me in a data breach, my 2 of my XXXX are on the dark web, According to their XXXX. But they want to close my account & take my money. I am filing I'd theft reports & I've received my 2 letters from Georgia unemployment & Kentucky, unemployment, with my social security number. I just filed a complaint with the FTC.usa.gov. It's hard my XXXX XXXX, I can't buy aspirin, as Capital One wants to get what they want of my money first! They haven't even finished my dispute with XXXX but ii m going to get a rep to explain they were billing me for 2 lines & late fees for before I had an account with them, this I know us also fraud. Because of the short notice of their closing the account & refusal to allow me to take even {$20.00} of my limited funds. I notified them if all suspicious uses of my debit card number r immediately, but they act as if I'm some kind of old nutcase, or crook. I know there's more to me explain but I don't have time. They were very rude & tricky I knew nothing, did what he they asked, I was told Friday XX/XX/28 that they were closing my account & couldn't have my money until Tues the first as they want to get what they think is there's first. I have to wait & call them to do this. I am XXXX & on social security retirement & a small pension. I don't want my account close, I need my line of credit & my money, this is my only income. Shame on them thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX collection company is still reporting my account as open to all three credit bureaus when in fact it is CLOSED ( per their answer to previous complaint filed with cfpb ) and should be deleted from credit reports per Chapter XXXX bankruptcy. Despite numerous requests, the account status remains incorrectly reported as open on my credit reports with Transunion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XX/XX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written a uthorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.