23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2018 BMO Harries bank charged me an overdraft fee of {$36.00} dollars after I had deposited money to cover the overdraft that occurred on XX/XX/2018. On XX/XX/2018 an automatic charge from XXXX in the amount of {$10.00} was charged to my account which had {$1.00} at the time, causing me to go into negative {$8.00}. This occurred some time in the afternoon and the bank has a cut off time of XXXX local. The next day in the morning when I checked my account I was made aware of this situation, which I promptly remedied by depositing money into the account to cover the overdraft, at this time the bank did not apply the overdraft fee, which means the account was only in negative by {$8.00} when I deposited the funds to cover the overdraft. Later that day the bank charged me the {$36.00} dollars for the overdraft even thou I had remedied the issue hours before. I was not given any notice by the bank that my account had been overdrawn nor prior to me checking the account myself. There reasoning is that because I didn't not deposit money the day the overdraft occurred, the XXXX of XXXX, and it is now the XXXX of XXXX they will not remove the charge. This is only one of the shady practices that this bank deals in. A month before they charged me over {$100.00} dollars in late fees because they forced a service charge thru before my purchases causing me to overdraft even thou when I made the  purchase I had money in the account to cover the purchased items. I believe that this is blatant ripping off of customers since not even a full day had passed before I deposited money to cover the overdraft, the bank had not even charged me the overdraft fee when I deposited the money to cover it. This has occurred on many occasions and when ever I call to right the wrong they give me different reasonings and excuses of why they can not help. After some internet searches I came across several lawsuits against BMO Harries bank for these practices that they were fined for and lost cases. Thank you.
Product: Debt collection

The company called my children and used abusive language on their voicemail in regards to my account. They threat me on the voicemail and told me I better make myself available to be served when they are in my area. I have not received any phone calls or letters from them about a bill. The account with the original creditor was closed two years ago. I want them to stop contacting my family members and discussing information with them.
Product: Vehicle loan or lease

I have a car loan with us auto finance and the loan is worth more than the car
Product: Debt collection

Paramount recovery has called me numerous of times. They called me on XXXX XXXX XXXX XXXX XXXX in the XXXX. I answered one called and they couldn't Identify me. They wanted me to tell my name. I didn't acknowledge them. I hung up the phone. They submitted an collection on my credit report. Please help me with this situation. 
Thank You XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Under the penalty of perjury affirm that all forthcoming statements are true. Credit reporting agency, Equifax is violating my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by failing to report a clear and accurate credit report and file on my behalf. My Equifax credit file is consumed with inaccurate account payment histories, inaccurate account payment statuses, inaccurate personal information about me such as erroneous names, addresses, phone numbers, and employers. This company is also allowing my rights to be violated pursuant to 15 USC 1692 named the fair debt collection practices act by allowing unauthorized 3rd parties to report inaccurate account information without efficient and fair investigations of the furnished information and by also allowing these predatory unauthorized 3rd parties to access my credit report and file without my consent. This violates my rights to privacy. Equifax is a predatory company that is using my personal consumer report and file for their monetary gain since they are paid to report this fraudulent information. I have filed an FTC fraud report against Equifax for their predatory practices that need to be stopped immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  -credit card was changed off in XXXX of XXXX ; the account was there in the company bankruptcy filling it was a joint account ; The balance unpaid been reported since XX/XX/XXXX ; The account is more then 7 years old and should not be on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you 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 or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX XXXX Balance : {$48.00} XXXX  XXXX Balance : {$97.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX XXXXXXXX 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 aconsumer reporting agency can not furnish a account withoutmy written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX To whom it may concern : XXXX and Transunion are still violating my rights as a consumer, and I have reached out to try to fix this issues, without success. I am a victim of identity theft, and as a result XXXX XXXX XXXX account number : XXXX was deleted, but as of last month, the account was reinserted, and I filed a dispute immediately, on the XXXX of XXXX, and today is the XXXX of XXXX, and I have not yet received anything back from transunion, or XXXX. My cfpb confirmation numbers to check the status of my disputes submitted on XX/XX/XXXX are : XXXX, and XXXX. 

According to 15 U.S. Code 1681i they have 30 days to investigate. 

The manner in which my credit file is currently being reported is not in compliance with the metro 2 laws.

15 U.S. Code 1681c2 states all information related to identity theft must be blocked, and XXXX and Transunion XXXX XXXX XXXX XXXX informed them that the account belongs to me, but I have numerous times requested proof of verification or validation, and I have not obtained any proofs yet. 

The only name and address I am associated with is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX. Anything on file other than this information above is to be updated immediately. 

XXXX and Transunion are violating the following laws the way that they are currently reporting my credit, 15 U.S. Code 1681b 15 U.S. Code 1681a ( 1 ) 15 U.S. Code 1681c2 They are stopping from reaching certain financial goals, and I want my credit file properly updated, and any non permissible accounts or inquiries deleted due to identity theft. I have provided my proof of identity theft, and am uploading additional documents with this dispute.
Product: Checking or savings account

In XXXX my citi bank debit card was locked due to suspicion of fraud because i was spending more than normal when I attempted to call citi bank and unlock my card they would not do so saying i had to go to a branch and provide documents to prove my identity I obliged and went to the branch with my ID and birth certificate and also my medical card the branch told me to allow 24 hours and my card would b unlocked ... that never happened i called back to b told my account is being closed and any funds would b mailed to me in a check 60 business later after the 60 business days nothing came in the mail so i called citi bank again this time I was told my remaining balance was sent back to Illinois unemployment so i then called Illinois unemployment they confidently told me they have never received anything from citi bank so i called again this time theyre telling me its coming in a check wait 60 more business days i tried to speak with supervisor but every single one has hung up in my face every single time my remaining balance was {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 EQUIFAX INCORRECTLY AND FALSELY LOWERED MY CREDIT SCORE AS THE REPORTS DATED XX/XX/2020 SHOWS SCORE XXXX AND THE REPORTED DATED XX/XX/2020 SHOWS SCORE DROPPED 6 POINTS. 
ATTACHED COPIES OF THE SCORES FOR THE TWO DATES ON XX/XX/2020 I RECEIVED TWO ALERTS AS ATTACHED. 

THE ACCOUNTS HAVE NOT CHANGED BUT EQUIFAX FRAUDULENTLY LOWED THE SCORE AS THE ACCOUNTS STATUS HAS NOT CHANGED. AS THE ACCOUNT WERE UPDATE. 

EQUIFAX HAS REPEATABILITY IN THE PAST LOWED MY SCORE WHEN THE ACCOUNT WAS UPDATED WITH THE SAME DATA. 

XXXX AND XXXX  ARE ALSO GUILTY OF THIS FRAUDULENT PRACTICE. 

EQUIFAX NEEDS TO STOP THIS FRAUDULENT PRACTICE WHEN ACCOUNTS UPDATED AND WHERE THE STATUS HAS NOT CHANGED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Used XXXX XXXX site that showed me a page with loans that I could be eligible for and said it was n't an application but to put how much I needed and I hit enter and sent told me I 'll be getting info to see what they say. Now I have a copy of my credit report and XXXX XXXX ran my credit to all those loan places that was on that page and I now have XXXX inquiries!
Product: Credit reporting or other personal consumer reports

There was hard inquiries that was fraudulent and also accounts open in my name without my permission. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 ( 2 ). It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A. Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

A foreign collector threatened me. Would not allow me to speak to XXXX to resolve or dispute. I asked the debt? XXXX XXXX! I called att they told me their computers were compromised and it was a dish network bill. I told hem I never had dish network and do not even know what that is. They sent me a letter about the data breach. I notified XXXX and XXXX but they refused to remove the false claim. This debt is just over the filing allowed XXXX XXXX! The sunrise credit refused to send me documentation and I never received any bills. This debt just appeared on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - account ending in XXXX, notified me that they sold an account to XXXX XXXX XXXX that was never mine in the first place. This account is fraudulently and illegally reporting to my credit. I would like XXXX XXXX XXXX  to provide evidence that this account is mine, including my signature, and if this cant be done, I would like XXXX XXXX XXXX to delete this from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX XXXX, XXXX Are in violation of my rights as set forth by hippa and cra. They say I have an account with them, but I never opened an account with them. When I used this site to let them know that it is ID theft. Neither company removed the items from my credit report. XXXX says they no longer own the account so they ca n't remove it, and XXXX says it is my account, and refuses to remove it. It is not my account. These items need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I have signed up for an Experian online account in order to make it easier to freeze and unfreeze my credit report as needed. The Experian website makes it extremely difficult to find the freeze and unfreeze feature and it also bombards you with ads and dark patterns for their paid premium subscription options that I absolutely do not want to buy. Most annoyingly, they send me monthly credit alert emails that say that my credit balance has changed. Of course it has changed, you think I spend the exact same amount of money on my credit cards every month? These emails are always alarming as it makes it seem like there is something wrong with your credit account, but it is clearly just an attempt to draw you back into their website so they can try to sell you premium services.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. 


XXXX : XX/XX/XXXX : I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX XXXX XXXXXX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX XXXX XXXXXX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX XXXXXX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXXXXXX XXXX XXXX  : XX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete It from my credit report today! 
XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : XX/XX/XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX : Account number : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : Account XXXX : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : Account XXXX : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX XXXX XXXX Account Number : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : Account XXXX : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : Account Number : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : Account XXXX : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX XXXX : Account Number : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX : Account XXXX : XXXX I was a victim of identity theft. 
Delete it from my credit report today! 
XXXX XXXX : Account Number : XXXX I was a victim of identity theft. 
Delete it from my credit report today!
Product: Credit reporting, credit repair services, or other personal consumer reports

One year after I turned my XXXX leased car into XXXX and bought a new car from XXXX, I received a letter from a collection agency saying I owed {$590.00} to JPMorgan Chase Bank. I have never not paid a bill on time. XXXX XXXX told me they were taking care of everything I owed on the XXXX lease. I left the car there paid for the new car and everything was fine until one Year later when I received letter from XXXX XXXX XXXX XXXX N J. I called and was told I owed this money from the leased XXXX. I was never called or received anything in the mail. I called XXXX and they said they had my previous address and phone number, so I never heard from them. I called XXXX and they said that it was not their responsibility even though they told me they would pay everything I still owed. I never received any bill in one year. I had a stellar credit report and this significantly lowered my score. I paid the bill the same day I received the letter and feel this was unfair. If the collection agency was able to get my new information, why couldnt JP Morgan Chase? I also have a few credit cards with them, so they have my social security number and I have never been late.My XXXX was bought in XX/XX/XXXX. My lease from XXXX was XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please assist in getting medical debt removed from all 3 credit bureaus according to the new law that was put in place by President Biden & the CFPB. I have 2 medical bills that are impacting my credit. 

XXXX.

Name : United Revenue/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1600.00} XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
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 Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX? XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX  Account Name : XXXX  Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account XXXX : XXXX  Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX Has violated my rights XXXX 

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: Debt collection

On or about XX/XX/ I requested documentation to establish a clear legal or equitable right to make a claim on account they are reporting on my consumer report and requesting claim for acct # XXXX. This isn't the first or 2nd time, Citizens Bank keeps reporting improper on my consumer report
Product: Checking or savings account

On XX/XX/ I opened both a checkings account and savings account with CapitalOne. I set-up a direct deposit from my employer to send {$250.00} every pay period to CapitalOne. CapitalOne has received one deposit of {$250.00} from my employer but is holding my funds due to " suspicious activity '' on my account. 

I have made 3 calls in total to CapitalOne over a period of 2 weeks now. The first call was made on XX/XX/. They have not returned any of my calls and I am always redirected to an answering machine. Each time I call, CapitalOne states they will give me a call back in 48 hours, but I have not received any callbacks. 

The ACH transaction number for my deposit is XXXX.
Product: Mortgage

On or about XX/XX/XXXX, I sent my mortgage payment to Quicken Loans Inc in the amount of {$1000.00}. The due date is XX/XX/XXXX with a 15 day grace period.The due payment was {$780.00}, the balance to go to be applied to the principal. Quicken admits it was received on XX/XX/XXXX, but did not post it until XX/XX/XXXX claiming an unknown problem according to a Customer Service Rep. On XX/XX/XXXX, I received a statement dated XX/XX/XXXX. The statement said that I had not paid for XXXX and billed me {$1500.00}. On XX/XX/XXXX, I called as and spoke to the Customer Service Rep and was informed that they send out the statement on the XXXX as they have to give a " reasonable amount of time '' before the next due date. I pointed out that 1 ) my payment was not late as per the 15 day grace period and that the statement preceded the expiration of the grace period by 15 day. I was passed on to a Mr. XXXX XXXX, Client Executive Advocate. He repeated the same thing. 2 ) Mr XXXX claimed that this change in policy was due to a Regulation 1026.41. I pointed out that the regulation only required a " reasonable amount of time ''. 3 ) My point is that Quicken Loans Inc is sending out statements which are erroneous, and confuse the debtor, making him'her think they have not paid and will send in a double payment.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit report, as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), please remove the following accounts from my report : Accounts to Be Blocked and Deleted : 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

Incorrect information. Improper names. 
Identity theft. No written consent when sharing my personal information.furnishing harmful information without my consent. Reporting without my written consent. Lack of disclosure.
Product: Credit reporting or other personal consumer reports

Not only is this account not my account and is identity theft in accordance with the fair credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.