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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$460.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX {$910.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$660.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$910.00} XX/XX/XXXXXXXX XXXX XXXX  {$2100.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$3200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXXXXXX XXXX XXXX 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 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

Compliance procedures were NOT followed in any of these accounts listed and therefore they must be deleted.

I am demanding PROOF that I was notified of these acts clearly outlined within the FCRA or I will have no choice but to hold these companies liable under 15 USC 1681n and 15 USC 1681o in seeking maximum monetary damages in this matter.

Please delete every account that can not be validated.
Product: Credit card or prepaid card

Capital One is acting in bad faith in resolving XXXX XXXX dispute originally I sent them corresponding emails and letter in regards to XXXX XXXX not following through with are written contract as well XXXX XXXXl @ that time was not operating with proper insurance and bond to handle/store household items I immediately took possession from one of there XXXX XXXX XXXX and cancelled my agreement and put company on notice immediately and provided hard evidence of such, Capital One immediately gave me provisional credit months later Capital One took back the credit overdrawn my credit limit with 2 frivolous responses, quote I did not provide information they required XXXX XXXX  not to mention Capital one has denied credit increases on my secured line of credit different account as well failed to refund me me secured amount as I have excellent history, because all this it has caused my XXXX  Scores to go down and they are in-properly reporting high limits to hold me XXXX and preventing other companies to approve credit this is a tatic Capital One Adopts to monopolize the industry
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Documentation for inaccurate and unknown accounts in my credit report. It's over 30 days today since Ive sent the documentation but I haven't received a response. I was a victim of XXXX  XXXX XXXX. I demand to delete those inaccurate and unknown accounts on my credit report or I will file litigation.
Product: Checking or savings account

Navy Federal Credit Union is insured under the National Credit Union Administration for up to XXXX on each members deposit account so my account is insured for XXXX yet Navy Federal Credit Union has charged me XXXX insufficient fund fees which are charged {$29.00} for each one. This is ILLEGAL as Navy Federal Credit Union did NOT take a loss due to my account being protected with insurance. Navy Federal Credit Union is not only keeping the insurance for my account but the interest payments as well for each deposit so I can not be charged when Navy Federal Credit Union is already keeping ALL the proceeds as the custodian over my account. Custodial Accounts The combined balances in a minor 's custodial account ( an account established under the provision of the Uniform Transfers to Minors Act ) are insured separately from funds the minor or custodian has in other Navy Federal accounts, and receive separate insurance coverage for up to {$250000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate THESE INQUIRIES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX of 2019 and also XXXX of 2019 i sent letters from XXXX  and also XXXX  XXXX about inquiries which didnt belong to me to transunion yet they are still on my credit report
Product: Credit reporting

credit bureau Experian not showing my correct information disregarding official state records open for public:1. as my employment history -I was working with XXXX since XX/XX/XXXX until XXXX XXXXand with XXXX since XX/XX/XXXX till XXXX2. as my correct name -they showing XXXX names for me instead of oneI am XXXX XXXX only not anybody elsedisputed the same issues with XXXX and they promised to fix it, hopefully they will as well as othersPlease help me out because these situation continuing for a years and they are not helping at all
Product: Student loan

I have been contacted in writing by a company named Windham Professionals stating that I will be garnished effective XXXX XXXX for federal student loans that are either in repayment with XXXX or that I do not owe. In addition ; on researching the Company they have numerous complaints regarding their collection practices ; and are not approved by XXXX. I am unable to upload documents for this complaint ; but I can fax or mail all documents from XXXX ; and Department of Education to substaniate my claim
Product: Debt collection

In XXXX XXXX, I received noticed that I was being sued by XXXX XXXX XXXX XXXX XXXX for a debt not paid from American Education Services for about {$6000.00}. I went to court with my lawyer since the original loan document was not signed by me. The original loan document had my " signature '' but someone falsely signed my name. We went to court in XXXX XXXX and the judge deferred in my favor because the signature was not mine. 

XXXX XXXX XXXX XXXX XXXX was supposed to remove this negative information from my credit report. I assumed that they did. 

In XXXX XXXX, I contacted a mortgage company to get pre-approved for a home. I was told that there were accounts that were reporting delinquency on my credit report. The accounts were through a company called " XXXX XXXX XXXX '' I had never received notification from XXXX that they were collecting a debt. I called XXXX and they explained that they received the account from XXXX XXXX XXXX XXXX XXXX and were attempting to collect a debt. I explained to XXXX that I have a judgment in my favor regarding the student loan and that they do not belong to me. It took multiple calls from me to XXXX to be able to speak to a live person. They called me back and indicated that all of the accounts would be wiped from my credit report. 

A few months later I noticed that they were still listed on my credit reports. I tried calling several times and never was able to speak to a live person OR get a phone call back. 

I submitted a complaint with AES ( since they were the originator of the loan ) and sent them my court documents and they replied asking for the court documents ( even though they were already sent ) and nothing was ever done. 

I believe XXXX XXXX is a scam in that they were trying to collect a debt that I did not owe. They do not have a working telephone number on their website. They are almost impossible to get in contact with.
Product: Credit reporting or other personal consumer reports

All these inquiries are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my multiple endeavor to tell EXPERIAN that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. I am once again attaching my FTC report and Police report I filed on my local Police Department as proof of identity theft. Pursuant to Section 605B of Fair Credit Reporting Act these unknown items must be deleted : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXDate Opened : XX/XX/2018 Balance : {$72000.00}, XXXX XXXX Date XXXX Balance : {$39000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 ; I sent a letter to Equifax advising that there is inaccurate information reporting to the public record portion on my credit report. Equifax responded by stating that the information had been verified as accurate through a third party vendor, XXXX. On XX/XX/2020 ; I sent requesting that Equifax requesting the description of the procedure used to determine the accuracy and completeness of the information as well as a re-investigation. I received a response dated XX/XX/2020 ; providing the same response that information had been verified as accurate through a third party vendor, XXXX. I have provided documentation to Equifax directly from the bankruptcy court that explains that this information is not provided to any 3rd parties. I am requesting that the inaccurate information be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Auto sales has failed to send me the original documentation with my signature on it for proof of purchase. They are claiming they dont understand whats inaccurate on my report and the question is rather simple. I am asking them to provide ( Proof of Verification ) of this alleged debt that they have placed on my credit report in which they have NOT done so. Im confused about what part they dont understand. Its quite simple, provide proof of the original documentation with my signature on it for the alleged debt they are claiming I owe. Further more, they did NOT respond within the 30 day time frame, I have not received any documentation from them. I have proof that I reached out several times to get verification with no response. They need to provide proof of contract via mail. Not email, or phone call. I am demanding that they remove this erroneous debt off my credit. I received an email today XX/XX/2021 from a representative of US Auto sales by the name of ( XXXX XXXX ) stating that " XXXX is blocking her emails from being received by me ''. This is the first time I have heard from them which is technically not the proper way they should be responding to this request. The should essentially only be contacting me via mail which is how I have been contacting them. Once again, I am attaching the original letter sent out asking them for verification. I am also attaching a copy fo the email I received today from US auto sales. They are in violation of the fair credit act and I will pursue further legal actions if this matter is not resolved.
Product: Checking or savings account

I opened an account with Citi bank a few days ago and they claim that Ive violated the terms of my account but I havent used it since I opened it. I dont even have my debit card yet and they wont give me a reason why its closed
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am being hit with a hard inquiry from XXXX XXXX for the month of XX/XX/2020. I did not apply for anything XXXX   XXXX or XXXX. I did not authorize anyone to run my credit profile nor did i sign anything. This is 100 % fraud. I am asking for this to please be removed from file to all credit reporting services.
Product: Checking or savings account

My Bank of America checking account ( checking # : XXXX XXXX XXXX ) was closed without any notice and any explanation. I called the customer service several times and asked why and they told me no reason for this closure just because some term of agreement notes the bank can close the checking without any reason ( case XXXX # : XXXX ). That's annoying but that's Ok. 

However, they first told me they will refund the remaining balance ( {$1500.00} ) to me soon but later When I called again because I never received the refund, they told me it's need reviewing and then can be refund to me and let me wait. So I waited as they instructed me and called again and again, they always told me still in review and ask me to call again after several days or one week. It's almost 2 months past since XX/XX/2020 but still no any proceeding about that. that's crazy thing. 

As we all know, most people are facing financial despair in such difficult and hard time with COVID-19 with recent Minnesota cutdown again for 4 weeks. This money was come from deposit of my husband 's unemployment pandemic Assistance ( $ XXXX/week ) and my partial bi-weekly payroll. it's definitely and completely legal. however, those fund in my checking account was frozen by the bank and without any reason for closure and now the bank are just keeping my money in their hand with just excuse of reviewing. I just need my money back to help me in such crazy and despaired condition. That's ridiculous and unreasonable to alway keep me money with limitless period time 's review. I am crazy waiting for too long time and still not know when to get back my money to maintain my life. 

So, please just quicken processing to finish your review and return my money ASAP!! I need my fund to support my family living, including my XXXX-year-old daughter.
Product: Vehicle loan or lease

Our account was in default since we missed payments in XXXX and XXXX. We received a statement from PNC bank dated XX/XX/22 that our total amt due was {$760.00} with an outstanding principal balance of {$6000.00}. 
A payment was made to PNC on XX/XX/22 via XXXX XXXX bill pay in the amount of {$1000.00} which posted to our checking account XX/XX/22. PNC bank repossessed our car XX/XX/22. When we called they said it takes XXXX hours for payments to post in their system, in addition to the time our bank stated. We are then required to pay an additional fee per diem because the payment has not posted and they can not release the vehicle. The new XXXX is $ XXXX {$600.00} more for repossession fees on an outstanding balance of {$6000.00}. This is unfair debt practices and taking advantage of people already struggling to stay afloat.
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 XXXX XXXX from Clearview Resolution Services made calls to an old employer, left messages and spoke with receptionist, in detail, about debt owed. 

I have tried, repeatedly to call this company to figure out what the bill is for, and until I unblocked my phone number, it would not go through. 

XXXX XXXX harassed the receptionist at my prior place of employment, telling her that they were going to serve me papers there. Then she accused me ( after I finally got through to them ) of being the one who answered the phone and proceeded to tell my that I am a liar and a fraud. 

XXXX XXXX at Clearview Resolution Services is rude, and threatening. I believe this violates all the laws in place to to protect the consumer.
Product: Checking or savings account

I deposited check XXXX XXXXXXXX in the amount of {$1700.00} drawn from XXXX Bank to Bank of America on XXXX. The check was approved by the branch manager and deposited into my account with their typical 24-hour hold. The check was marked for deposit only, no cash back requested. Later that night, the check was put on a 7-business day hold by Bank of America 's `` clearing house. '' I met with the branch manager on XXXX and he found zero reasons as to why this particular check was held. He called the fraud dept., they said no suspicious activity, account is good, go ahead and use it. All the branch manager had on his screen as to the reason was " confidential. '' Both the Bank of America and XXXX accounts have overdraft protection. I met with XXXX as well, they said the check cleared on XXXX with no problems. I am concerned that Bank of America acted in an overly aggressive manner on a seemingly benign transaction with no explanation as to what necessitated their action.
Product: Credit card or prepaid card

Hi, On XX/XX/XXXX I had 4 payments posted to my Visa Credit Card that were not made by me. {$930.00}, {$1.00}, {$1000.00} and {$5.00}. I mailed Visa a check for {$50.00} and another one for {$100.00} to go towards my Visa balance and that posted on XX/XX/XXXX as well. Wells Fargo is saying that another customer somehow made payments to my Visa account via check/mail from their checking account, but this isnt making any sense. They mailed me a refund check for {$860.00} because my account got messed up and they didnt know what was going on at the time. On XX/XX/XXXX the 4 payments not made by me were turned into Payment Reversals and the bank is saying I owe all this money back, with my current Visa balance totaling {$2300.00} ( that I owe that much $ ). I was not notified via mail on any of these matters by my bank after being reassured everything would be taken care of on their end. I was told I got a credit on my old Visa but that I no longer get a credit due to closing out my credit card and getting a new one per my banks request. No positive steps were recorded as taken by them, they went straight to Payment Reversal. Bank would not discuss this in person and on the phone were not helpful/nothing was resolved/was given no claim #. I called them multiple times for several weeks. Looking at my debit card account and Visa account none of this is adding up. I spoke to them on several occasions, including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and others and they keep saying I owe my total Visa balance.