23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account name : XXXX XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name : KXXXX XXXX XXXX Account number : N/A Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXXXXXX XXXX  Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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

In accordance with fair credit report act 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 the off state consumer report without my written instruction.
Product: Debt collection

A lady claiming to be named XXXX from Capital Management ( XXXX contacted an associate of mine claiming I had given them their name and phone # as a contact. 

I have never given this persons name and phone number to anyone and I have no idea who Capital Management is. 

I want these people to cease and desist harassing both me and my friends.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX I attempted to deposit 1400 usd to the Chase bank ATM that I frequent. I put my card in, typed my pin, and selected that I would like to make a cash deposit in my checking account. The ATM prompted me to insert up to 100 bills. I inserted 14 100 dollar bills. It shuffled around for 3 minutes and then came back and said to call XXXX to verify it went through and it also printed out a receipt showing the same. I called and the customer service rep told me to it did not go through and told me I will have to contact their claims department in the morning since they were closed. I waited a little bit longer to see if it would spit it out but it didn't. I called back the next day and filed a claim and they said they would issue me a temporary credit within 2 business days which was inconvenient but fine whatever. Today XX/XX/XXXX was the 3rd business day so I called back and they told me that they couldn't find the sequence number that I gave them that was on the receipt and therefor had to escalate to a different claims team and that they had to research this and that it would take up to XX/XX/XXXX to possible get a temporary credit. I told them this was unacceptable due to my rent being due 2 days ago and im getting charged daily for late fees and all they kept saying qas there was nothing they can do. I went to the branch and they tried to call the claims department and were met with the same thing. I'm at a huge loss and they don't seem to care and I'm getting charged daily late rent fees because of getting robbed by my own bank.
Product: Credit card

A credit card application was submitted in my name without my consent and/ or knowledge of the application until I received a inquiry alert.
Product: Credit reporting or other personal consumer reports

TRANSUNION According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. You are incorrectly reporting my account balance limit of {$3500.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> My account Limit is XXXX and you are incorrectly reporting it as {$750.00} giving me a high utilization of 56 % Please fix this IMMEDIATELY. 

I HAVE ATTACHED SCREENSHOTS OF MY CREDIT XXXX  ACCOUNT LIMIT AND BALANCE FOR PROOF.
Product: Payday loan, title loan, personal loan, or advance loan

I have a company named Cedar Financial with a phone number of XXXX that states I took out a payday loan that was not paid off. They provided me with a bank name and address I have not lived at for over a decade. They stated that I was going to be XXXX  for XXXX XXXX and then cursed at me, calling me a lowlife and a thief and saying profane words. When I called the number back, they said it was the fraud department of XXXX XXXX and would not give me any further information. The representative told me I would get that information from the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : 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 have disputed this erroneous, inaccurate and unverifiable entry with United Revenue Corp on multiple occasions as well as disputed them with the credit bureaus. In my most recent communication to United Revenue Corp. dated XXXX18, I was specifically responding to their latest response ( see attached ), denoted as frivolous. There were not any parts of my previous requests that were frivolous. I was very specific in my request that they validate the debt they were alleging I owed. 

United Revenue Corp did not provide an agreement that stated their authority to collect on this alleged debt, nor did they provide an agreement with the signature of the alleged debtor wherein he/she agreed to pay the creditor ; verification that the debt was assigned or sold to collector, complete accounting of alleged debt and name and address of bonding agent for collection agency in case legal action becomes necessary. To no avail. This is very specific and counters their claim of being frivolous. In my letter dated XXXX.18, I was even more specific in requesting that they provide a copy of my signature with the provider of service alleging the debt to release my medical information to them as well as for them to cease any credit bureau reporting until the debt had been validated by me. To no avail. See attached return receipt that reflects United received my dispute and blatantly refused to respond. It has been almost 60 days since my request for the aforementioned documentation, yet they have failed to comply. 

It is apparent that United Revenue Corp is unable to prove the validity or accuracy in the 2 entries they are continuing to report as derogatory on my credit reports. To that end, these erroneous, inaccurate, unverifiable entries must be deleted immediately.
Product: Debt collection

Portfolio Recovery Associates sent letter stating that I owe them for XXXX credit card accounts. I returned information to them indicating that these accounts are currently enrolled in a debt settlement program company name XXXX. They continued to send letters requesting that I pay them. Last letters received by them are bills from XXXX XXXX attached with a letter that debt was sold to the XX/XX/year>. My original contract is not with Portfolio Recovery Associates. However, the bills have a different amount owed from the amounts that they have listed on settlement letter XX/XX/year>. I am not understanding how they can send me a settlement letter with wrong amounts owed with a settlement letter for accounts that are enrolled in a settlement program. They are trying to collect more than what is owed to XXXX XXXX. They listed collections on my credit reports on XX/XX/year> for these debts and amounts. I have also disputed amounts on credit reports XX/XX/year>.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card

On XX/XX/scrub> 2024, I mailed a Negotiable Instrument ( a United States XXXX XXXX XXXX XXXX ) No. XXXX as Tender of Payment in the amount of {$5000.00} to Bank of America along with proper instructions to credit my account accordingly in order to balance the account and set off any alleged debt obligations. My Negotiable Instrument was mailed by United States XXXX XXXX Certified Mail with Return Receipt ( tracking no. XXXX ). 

The Negotiable Instrument and Letter of Instruction both were delivered and signed for by XXXX of XXXX  XXXX XXXX representatives on XX/XX/scrub> 2024. 

As evidence, on XX/XX/scrub> 2024, XXXX  XXXX XXXX representatives printed the following text : Do Not Redeposit on the front of the money order ( instrument ) and Endorsed XXXX Check XXXX XX/XX/year> XXXX XXXX XXXX Card XXXX  XXXX XXXX on the bank of the money order ( instrument ). 

In summary, my Negotiable Instrument ( Money Order ) was deposited as instructed however, Bank of America 's representatives failed to credit my account in the amount {$5000.00} as further instructed. Their neglect to properly handle my credit ( XXXX ) has caused me financial hardship. Their irresponsibility resulted in billing errors which led to late payments being reported to XXXX, XXXX and XXXX, being denied credit and having other accounts closed due to their misreporting. 

Furthermore, I never gave Bank of America written consent to make my private financial transaction information known to the public therefore Bank of America has violated my Right to Privacy by reporting this information to the XXXX credit agencies. 

To add, Bank of America did not provide me with all the necessary and required disclosures they are supposed to have provided, in regard to the Truth In Lending Act ( TILA ). 

I want Bank of America 's representatives to rectify the situation and put my account back in good standing. Bank of America should credit the account in the amount of {$5000.00} backdating to XX/XX/scrub>, 2024, before there were any reported late payments to my consumer report. Bank of America should also refund any payments to me from said account as they were billing errors from the beginning. Lastly, I will like them to reopen this account and set the balance to {$0.00} ( XXXX dollars and cents ).
Product: Mortgage

My name is XXXX XXXX mortgage holder Specialized Loan Servicing account loan number # XXXX is claiming that I have a past due amount on my mortgage for late charges past due in the amount of XXXX plus other late fees on my account. I have asked for proof of the amounts SLS mortgage is claiming I owe them for approximately 3 years with no proof or response with documentation of the fees they are claiming I owe them. Once again I am asking Specialized Loan Service for proof of the amount they are claiming to be owed to them and sent to me XXXX XXXX and sent to to cfpb which I owe them nothing and quit wasting my time and energy and send me back a refund for the XXXX and any other charges they have added to my mortgage and if there has been any negative credit reporting to the 3 major credit bureaus that the reporting be erased form my credit profile with a letter of proof that the action was taken care of. My own perspective is I take pride since I first became a homeowner with a mortgage in 1993 I have never ever been late on my mortgage payments with any mortgage servicer or bank since I became a homeowner. I am very familiar with credit and its impact it could have on late payments to any creditor since I was General Sales Manager for 40 years with XXXX XXXX XXXX and ran customers credit daily at least 20 credit bureaus per day and dealt with over 30 lending banks and credit unions. Since I have been dealing with this inaccurate information for 3 years and you will not find any late fees I am asking for a expedite refund of all money owed to me Thank You XXXX XXXX Phone number XXXX Email XXXX I 100 % swear the above information is true and prefer phone calls
Product: Credit reporting, credit repair services, or other personal consumer reports

Per court order my ex husband is sole owner of account and I was to be removed. I went to XXXX XXXX and they could not help me or get into the credit account file to make the change. I reported on all three credit bureaus discover credit cart is reporting in my credit file as well and it is the same issue it in not a joint account I do not have access or own these credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience has 11 hard inquiries on my credit report. I have not had anywhere near that amount.
Product: Checking or savings account

On XXXX XXXX I moved to Florida and attempted to open a checking and savings account online with Fifth Third Bank. I completed their online application and sent verification of my driver 's license and social security card. In order to open the account I had to deposit {$100.00} from another checking account at another bank. Fifth Third appeared to open the account online ( provided me with a check account and saving account number ) and withdrew {$100.00} from my other bank. Over the next few days I was not able to access my online account with Fifth Third and did not see my {$100.00} deposit reflected. I eventually went in person to the Fifth Third branch in XXXX, FL ( XXXX XXXX XXXX XXXX, XXXX ) to try and resolve my account issue. After numerous trips to the bank, I was told that I did not have the correct information to open the account so I requested that the account be closed and my {$100.00} returned. I waited months for my supposed {$100.00} check to be returned to me and it was never returned. I went into the Fifth Third location early this month and again tried to determine the whereabouts of my {$100.00} initial deposit. I again met with XXXX who ended up speaking with someone at Fifth Third via phone. I was told that a screen shot of the withdrawal taken from my other bank was not enough proof to issue my refund. I have been receiving a tremendous amount of runaround in my effort to get my {$100.00} refund for a checking and savings account that was never opened.
Product: Debt collection

hi, scott, parnell & associates has threaten to sent an undisclosed agent harassing me at all time of day and night. the bill was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account ending in XXXX is showing late payments for XXXX, XXXX and XX/XX/2021 when I had asked for a hardship deferral due to covid which was granted by the lender. However, the account was reported as 30 days late three times. I have spoken with XXXX XXXX and they have corrected ( or said they would ) and I have attached the correspondence they sent me stating they would. It has been corrected on XXXX but not XXXX or Experian. I am attaching the XXXX results as well. This is very frustrating dealing with these credit reporting companies as I have written regarding this issue and nothing is done to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX ACCOUNT # XXXX In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

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 canno furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a XXXX XXXX  account under an open end XXXX XXXX plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. 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  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: Vehicle loan or lease

I have a lease with Ford Motor Credit my account number is XXXX I have always made on time payments since XX/XX/XXXX. I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you on time.
Product: Credit card

On XX/XX/XXXX I emailed CEO of Bank of America and customer relations XXXX XXXX and XXXX at client care regarding a notification I received on XX/XX/XXXX from my Credit Bureaus XXXX  alerting me that my Bank of America credit card ending in XXXX reported as 30 days past due. This was the first notification I ever received. I did not receive any notifications that my Bank of America Credit Card was not auto deducted from my Personal Checking Account ending in XXXX also a Bank of America checking account nor did I receive any notification that my account was either at risk for or of being late. The very moment that I received the notification from XXXX alerting me on XX/XX/XXXX, I logged into Bank of America and paid the balance in full bringing the balance to XXXX / XXXX. 

My email to XXXX XXXX states that I have been a long standing customer for over 25 years and hold multiple Bank of America accounts and requested a call back or to be connected to someone who could help me determine why my auto payments or Credit Card were not made or notifications not sent to me to have avoided this very serious issue for me. I noted in the email that my credit score was dropped by over XXXX points. 

Thereafter, I followed up with 4 subsequent emails and received No response or call or email. I am asking that someone at Bank of America research this and consideration of removing these reporting to my credit card as I had no way of knowing I was at risk of being 30 days as I believed my auto pay was set to deduct from her attached Bank of America checking accounts. I can be reached at XXXX