23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite 5 previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

Pnc won't let me connect my account to 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. 

XXXX XXXX XXXX : # XXXX, XXXX  XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX  XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Payday loan, title loan, personal loan, or advance loan

I purchased a wig via XXXX and I used Affirm as my method of payment for the wig. The loan was approved and the wig was received. Upon receipt of the wig, it did not meet the quality nor fit the website description. I contacted XXXX and returned the wig. XXXX stated the wig was received and informed me they issued a credit of {$100.00} to Affirm on XX/XX/year>. I called XXXX weekly to confirm the wig was returned/received. XXXX confirmed the refund was processed and informed me it could take up to 45 days for a credit to appear. On day XXXX I called XXXX and they provided the return code provided to Affirm. I called Affirm and they refused to verify receipt of the return and would not accept the return code via telephone or email. I opened an online case with Affirm and they are referring me back to the XXXX which is XXXX. At this point, I am paying for an item that was returned to the merchant XXXX, and Affirm has received a refund from XXXX. So I guess double dipping is a deceptive yet lucrative source of revenue for Affirm.
Product: Checking or savings account

Had a mortgage with USBank, they recommended opening a checking and savings account too. While opening these accounts, the branch staff in XXXX XXXX, CA branch specifically promised me that there would not be monthly maintenance fees. 
During summer of XXXX, I refinanced my mortgage loan. 

I rarely used but maintained about {$3800.00} in checking and about {$25.00} in savings. 
Then USBank silently started charging {$24.00} per month on my checking. 

I realized just last week that {$200.00} have been taken out of my account and on top of it they had made the account dormant too. 

So in summary for a dormant checking account, USBank was doing a daylight robbery of {$25.00} per month citing maintenance! 

I tried to reason with local branch manager and their telephone support, after much persuasion, they reversed just the last 3 months.. thereby keeping the loot of 5 months. i.e. {$120.00} still remains with USBank. 

Requesting CFPB to kindly work with USBank and recover my money back. With pandemic, I am barely recovering lost finances. Any help from CFPB is much appreciated. 

Thanks and Regards XXXX XXXX, XXXX ( cell ) XXXX XXXX
Product: Vehicle loan or lease

A month ago, I had contacted PenFed CU to get access to my online account so I could pay my bill. My phone number had changed so when trying to login into my account, I couldnt get passed the verification because it was linked to my old number. I spoke to a lady who said she couldnt help me and the only thing I could do was to mail a copy of my drivers license and phone bill. I did that, then got an email saying the info provided was insufficient and no solution to help me getting online. I called today, spoke to a gentleman who said they have the info however they needed a colored copy of my drivers license. The guy said I could upload a new copy of my drivers through an online portal. Then he advised I would need to call back in 2 hours and they could move forward with updating my phone number. What does it matter if my drivers license copy is in black or white or colored?! 
This has been a ridiculous long and tedious process. My credit has been hurt and still waiting to get my account paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information on my credit file. I Have recently received a copy of my Equifax, XXXX and XXXX credit reports. The credit reports are STILL showing inquiries that I DO NOT HAVE A OPEN ACCOUNT WITH, and unauthorized. Pursuant to 15 USC 1681 Any inquiries that I DO NOT have a open account with must be removed. This Law also states that for every unauthorized inquiry, by law I am entitled to XXXX per violation. Remove these inquiries immediately, for they are harming me and they are making it extremely difficult for me to acquire credit. I have disputed ALL of these items more once, this is my last attempt to settle this matter. The FCRA also states that the only permissible purpose for pulling someones credit is for A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissable : 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 XXXXXXXX REPORTERS Please remove these inquiries immediatley.
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 XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : 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

On XX/XX/2022 I requested the following from a creditor about an account and have not received anything in return despite waiting so long. The letter is attached but I am including what I wrote here as well.

I am requesting information for ( Account Number ). Please provide copies of the following information : - All billing statements from the date of account opening ; - A complete reporting history to reporting partners ; - A copy of the 1099-C cancellation of debt if applicable ; and - Date of Last Payment.

It is my belief that 14 days is a reasonable amount of time to gather this information. I look forward to your complete assistance.
Product: Credit reporting or other personal consumer reports

The following inquiries were listed on my credit report from unknown sources. I am unable to obtain anything due to this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting on my credit reports that I owe them {$210.00} for an old bill from XXXX. The issue is that they refuse to verify that this account is mine / valid ALSO multiple collection agencies purchased this account and have put it on the credit reports of multiple people ( roommates ) who lived in the household ( four ). AND I've had another cell phone account for the last 15 years never had XXXX so?? Isn't it against the law for a collection agency to try to collect the same amount of money from multiple people and not provide any valid information showing the person who the account originally belongs to. 

I personally disputed this information with the credit agencies because I needed to see exactly who it belonged to since it's being reported on different household member 's report. They reported it as valid so I sent a letter asking how they validated it to provide information so that I can see who the account belonged to and so far they continue to refuse. 

This has been on my report for 3 years and has ruined my credit making the apr go up for any loans i've tried to apply for and in some cases keeping me from getting loans. 

I don't understand how a company will not show proof what the collection is and whom it belongs can continue to report this as valid. 

I'm currently considering my next moves but have reported it to multiple agencies and will send an email to the FTC and my local govt agency to report their unfair collection practices
Product: Mortgage

Ocwen Loan Servicing counsel XXXX XXXX responded to my consumer complaints on, XXXX XXXX, 2017. XXXX XXXX is requesting I direct all further communication directly to his office. Ocwen Loan Servicing, its employee XXXX XXXX, its everyday harrassing threatening phone calls I had to put up for years, the slander of title which is over the top, all the thousands of dollars I had to pay out of my pocket to stop Ocwen from continuing its abusive servicing pratices, all the lies I had to hear out of Ocwens mouth, Ocwen employee failing to correct its errors and all the other screwed up mess because she is trained to coverup the mess. Dont tell me to direct all further communication directly to your office when you have assisted Ocwen with its abusive servicing pratices harassing me threatened me with the loss of my home in 48 hours if I dont sign increased none negotiable loan modification with increased outrageous balloon payment that I never applied for and that could not even afford to avoid fraudulent XXXX Trustee Sale in 48 hours. The many years I put up with all of this has caused me serious health damage which landed me hospitalized on medication which dragged in several doctors who questioned me who was harassing me. Ocwen has screwed up my credit. I have no savings left because Ocwen stole all of my money. Ocwen has made a disaster out of my life. I have suffered years of abusive servicing practices and years of harassment threats of the loss of my home using cozy relationship with XXXX. The damage is extreme. Thanks to all of my doctors who care I am now bringing all of you to justice. You and you clients are nothing but a bunch of liars who are out to harm me and embezzle my property to maximize revenue ave fill you own pockets with cash. That is the truth!
Product: Bank account or service

I received XXXX charges to my Bank of America business account from XXXX XXXX, which were not made by myself. I contacted XXXX and they said those charges were not on my XXXX account so I would need to contact Bank of America. I called and filed a claim. I called a few days later to check on it only to be told to claim was never filed. I filed a claim again and called a few days later and the representative said my money would be returned within 10 days. I called in 10 days and they said they had rejected my claim because they felt I " did not have a sense of urgency. '' I made them reopen the claim. I called again in a few days only to be told they closed my claim again, and that there was no reason for the rejection noted on my account. I received a bank statement today telling me I owed {$190.00} because the XXXX XXXX charges caused me to receive XXXX overdraft charges. Now, I am being asked to not only pay them for purchases that were not mine, but to also pay a significant penalty for these charges.
Product: Debt collection

XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/1985 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXXXXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report
Product: Credit card

My bank went bankrupt and was taken over by another bank, all the automatic payments were supposed to continue. My credit card with Bank of America was on automatic payments. I check online & made sure B of A had my new bank and confirmed it through B of A s process. They had the correct account information but for reason B of A turned off my automatic payment setting without notice. The monthly payment wasnt made. I received no notice that the payment was not made. I noticed that payments were not being automatically withdrawn myself after the 2nd payment was not withdrawn from my bank account. B of A had already reported my account as delinquent to the credit bureau before even notifying me of an issue. They did not call or email. I dont get paper statements so I didnt have notice that anything was wrong. I have a customer for 22 years for credit cards and mortgages and never had a late payment. I called and asked that they rectify the situation with the credit bureaus. And refused any help nor did they take any responsibility for turning off the automatic payment setting without advising me of same.
Product: Credit reporting or other personal consumer reports

Please see attachments. 

XXXX XXXX has been illegally reaging this account. 
There has been no agreements or communication with said party since last payment of XX/XX/XXXX for this account to be reporting activity, per the law. 

Bank raged the account XX/XX/XXXX as a missed payment for an entire year. 
Information is inaccurate and incomplete. Doesnt correlate with other CRAs, amounts are wrong, payment statuses wrong, account status wrong, date to come off is inaccurate etc California statute is 4 years, not 7.

Late payments were marked as paid on consumer reports, but late in reality. 
XX/XX/XXXX it was 3 months past due, but not reporting XX/XX/XXXX is when it shouldve legally been charged off. 
Says closed on XXXX in XXXX, XXXX, TransUnion say XXXX was the last payment. XXXX, XXXX another late payment on a closed account, thats reaging. 

XXXX through XX/XX/XXXX theres nothing ; all incomplete They also received a 1099A IRS form to write off the debt a letter was sent to XXXX regarding it and requesting to delete the account. 

The debt was also covered in the finance charge in the insurance premium. 
Its also being sold to debt collectors. Both collectors were unable to verify.

All of this is all AFTER an alleged verified dispute.

I will sue for fraud, negligence, and a plethora of consumer violations. 

Date of last payment XX/XX/XXXX XXXX XXXX XXXX STATEMENT ATTACHED CALIFORNIA LAW SAYS FOUR YEARS, NOT SEVEN
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a letter from regional acceptance corporation stating that my request to investigate was denied because it relates to an inquiry or request for a consumer report i did not allow nor did i accept this company to have access to my credit report. it is showing that i gave permission to said consumer. 

another account- crescent bank also rejected my dispute to investigate. it shows that i supplied the dealership ( car smart auto sales ) with personal information about my credit report. however, i have never been or inquired information on the vehicle ( XXXX XXXX XXXX  ). i did not request or apply for an indirect auto loan. this bank is listed on my credit report TWICE. i didnt accept or authorize acceptance the first time around. 


XXXX XXXX : sent me a letter as well, stating an inquiry through a dealership about a vehicle i tried leasing or financing on. : dated XX/XX/XXXX. 
vehicle. XXXX XXXX XXXX. i did not, authorize permission. i never tried leasing or financing on said vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
SELF/SSTATBK XXXX Balance {$0.00} SELF/SSTATBK XXXX Balance {$240.00} XXXX XXXX XXXX Balance {$2100.00} SELF/SOUTHSTATE BANK XXXX Balance {$0.00} SELF/SOUTHSTATE BANK XXXX Balance {$240.00} XXXX  XXXX XXXX Balance {$290.00}
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> request for the inquiries to be deleted XXXX XXXX XX/XX/year> request inquiries to be removed XXXX XXXX XXXX XXXX XXXXXX/XX/year> request inquiries to be removed XXXX XXXX XX/XX/year> request inquiries to be removed XXXX XX/XX/year> requesting that all these inquiries be removed Was any personal information wrong in your credit report? 
When you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Have you contacted your local police department? 

Have you requested a fraud alert from XXXX of the XXXX national bureaus ( XXXX, XXXX, TransUnion )? 
No Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services.

No I have received data breach notices from the following companies : Has a debt collector contacted you about an account that isn't yours?

No Were there any fraudulent accounts included in your credit report?

No Update Comments about your situation Personal Statement : I'm requesting that the inquiries be removed from my credit report, XXXX XXXX XXXX, XXXX XXXX Update
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and have no idea why they are there. When I checked as I usually do, I noticed discrepancies that were completely unexpected. I even refreshed my browser to rule out a glitch, but the inquiries remained. This is incredibly frustrating, and I urge you to thoroughly review the documents I've provided to ensure this issue is permanently resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT DURING THE XXXX DATA BREACH AND DID  NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS FOR THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.