23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

NOTICE OF OBLIGORS RIGHT TO RESCIND. 

To whom this may concern : I XXXX XXXX : XXXX  am hereby invoking my rights as a consumer and natural person to rescind this transaction, including the Power of Attorney, and arbitration agreement pursuant to 15 US Code 1635 and 12 CFR 1026.15. XXXX XXXX XXXX XXXX is formally being put on notice to rescind and has 20 days to respond. 

In reference to 15 US Code 1635 ( i ) 4. The Applicability This subsection shall apply to all consumer credit transactions in existence or consummated on or after XX/XX/1995. 

32 CRF 232.3 ( 1 ) Consumer credit means credit offered or extended to a covered borrower primarily for personal, family, or household purposes, and that is : ( i ) Subject to a finance charge ; or ( ii ) Payable by a written agreement in more than four installments. 

Please note, returning the property is impracticable and inequitable and so the decision to maintain possession of my property is being made without recourse. 

Furthermore, XXXX XXXX XXXX XXXX shall no longer hold any security interest in my property and at once will grant me all rights and titles to that of my vehicle, Be aware, all monies collected in the form of a down payment and other unknown monies involved, shall be returned immediately. 

Should there be any illegal and unlawful acts performed by any third party organization, this will result in legal action being taken immediately and prosecution will be carried out to the fullest extent. 

15 U.S. Code 1692i - Legal actions by debt collectors ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 



Everything written in this document is not to be construed ; my intentions are clear. 

I hereby affirm all facts stated above, I declare these facts be truth, so be it. 
I purchased my vehicle under deceptive practices, I was deceived when purchasing my vehicle that my entire down payment would go towards my vehicle and it was mandatory that I put down {$2000.00}, I was later informed that it did not nor, was it required that a deposit be made to purchase a vehicle. I was also never informed of the fact I could rescind the vehicle contract. I was also mislead in when i was told to purchase insurance to drive off the lot when in fact insurance off the vehicle and all other charges should be included in the finance charge.
Product: Credit reporting or other personal consumer reports

i sent my 2nd letter to the cra 's on XXXX about the inaccurate and incomplete information they are reporting on my consumer report. they are in violation of 15 usc 1681s-2b for not deleting the inaccurate information from my credit report.Also, 15 usc 1681eb for not providing maximum accuracy of reporting information.

i am requesting that the information be deleted from my credit report and that XXXX give me a score and stop hiding it from me
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






Inquiry 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

Seriously, I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and DELETE it immediately in my report : XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/2022 Balance : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked XXXX XXXX to remove closed paid in full account, the account was XXXX XXXX. XXXX recieved letter and sent a notice to both XXXX and transunion that they closed the account and dropped my credit score by XXXX points in both cases, transunion XX/XX/XXXX and XXXX XX/XX/XXXX. i called XXXX they said that couldnt happen from a closed account, tryed to get documention they would not give it or any info on why my score went down. Your help in this matter would be greatly appreciated. 

Sincerely XXXX XXXX
Product: Student loan

In XXXX of 2024, I was contacted by a representative from XXXX on behalf of Climb Credit about the exciting opportunity for becoming a Quality Assurance Engineer ( or software tester ) in what they called a " low code, low risk, high reward '' training that would last approximately 5 months and was designed for you to learn at your own pace. However, I believe that I was pressured into taking a loan from Climb Credit. I told the representative on the phone that I didn't have the money that day, but if he had waited just a few more days, that I would have it after I got paid. However, he told me that this would delay the start of my classes, even though it was advertised to be self paced. What difference did it make whether I started this week or next week? I then had no choice and signed on to a {$4900.00} loan plus interest. I felt like this was an investment in my future and that the coding bootcamp would provide me the skills and tools needed to move forward in my career. The bootcamp offered a 2 week trial before leaving the program. However, the first XXXX  weeks of the program were the easiest and had the most support from tutors, and even offered text to speech accommodations with relatively straightforward information and easy to do projects. After the first XXXX weeks, those accomodations disappeared. The skills being introduced were not " low code '' and tutors did not speak XXXX well enough to help students during tutoring hours. One tutors even admitted to me and one of the students that the were assignments too hard, and not enough information was provided to allow the students to be successful. Despite my struggles and incompetence, the success manager continually pushed me forward, encouraging me to keep going. When I got to the last project before the final one, I met with tutors with no success and couldn't even complete the project because I had no competence to do the assignment. I asked the success manager about the possibility of leaving out the program. It wasn't until XXXX that she mentioned to me that a refund would be a possiblity. We then met on XXXX XXXX  where she then turned around saying a refund wasn't possible. Then the company randomly emailed me a XXXX that would offer to send a letter to Climb Credit to reduce what I owe to half the amount. I am unable to read the terms of the contract, and after learning about Climb Credit 's existing scams, I have refused to sign a document for which I know nothing about. I believe this entire process to be scam. And while I am understanding that XXXX XXXX have no accountability in this, and that Climb Credit may be the scape goat in this matter, I would like to not owe them any money for a service that was not rendered, and very likely a scam.
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft i found a few accounts that i don't recognize and my credit is harmed and they violated my privacy and my consumer rights and ruined my credit and this is illegal i contacted my lawyer and he said we need proof and they never sent me contracts and signatures this is illegal and as of 15 U.S Code 1692g validation of debts and improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose and these are the accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have both personal and business accounts in Bank of America. My business account had a fraudulent transaction " possibly caused by this bank 's employee. I get direct deposit to my personal account. Bank of America is " relentlessly harassing '' me to bring Social Security Card to the bank location, otherwise they have threatened to close my personal account. I have provided all the information during opening my both personal and business accounts. I would have closed my personal account, but I can not quickly stop automatic deposit. Bank of America has serious security flaws within its employees, who may have stolen my business debit card info and fraudulently charged in XXXX. Once I switch my automatic deposit, i will close both accounts. This is a terrible bank engaged in harassing customers
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America sent out a 30 day late notice, the only one in many accounts because a dormant account had an annual fee placed on it without notification. And it was not paid until the next bill was sent out.

XXXX  investigated and did not do a thing because technically I was 30 days late from when they wanted it paid even though I was not notified because it was a dormant account. Also, my credit limited was reinstated and the late fee removed but this was not reflected on the credit report either.

I currently owe XXXX and in fact Bank if America is late sending me a check for an over payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX of 2021 I submitted a certified letter to XXXX, XXXX, Experian, and XXXX to verify how they reported a bankruptcy on my credit report. None of them provided me with information on how the bankruptcy was added to my credit profile and I got a letter from the court stating they do not furnish any of this information to any of the credit bureaus. It is my right to have this information removed from my credit report since the court does not provide such information and it's illegal to add things that are not furnished by the original provider.
Product: Checking or savings account

I have been calling my bank since XX/XX/XXXX reminding them that my debit card was to expired on XX/XX/year>. Called every week and every week I was lied to that the card was sent out. Every time I called and was told that the card was not sent out. This has put a burden on me because I have no available card to asset money without my debit. I can not buy anything - food, meds, etc.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received an credit alert that I had a collection for a Cable bill for an apartment that I do not live in or know anything about. I called the company and told them that this was identity fraud because I do not live at that residence. They said they would make a report. I then contacted XXXX to dispute it and the dispute came back that I still owed the balance by the collection company : FRANKLIN COLLECTION SERVICES XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
Product: Debt collection

I originally disputed this account on XXXX and for lack of evidence that i had broken the lease, Upon conclusion of the dispute, i was informed by the debt collector that they had provided " proof '' this is inaccurate. All I have seen is picture of an outdoor cat that wandered the parking lot and a picture of items that are claimed to be XXXX XXXX, but are in fact legally purchased at local stores for legal usage that the landlord used to try to frame me. This is not proof of anything? Unless there is some new proof I have not seen. in which case could that please be communicated to me.
Product: Checking or savings account

On XX/XX/year> I filed a dispute with USAA for a transaction made by XXXX XXXX XXXX, a company which is currently engaged in fraud by taking customers orders and not sending the product. After filing this dispute, USAA requested more information in addition to the information that I provided over the phone. USAA wanted an invoice of the product even though I had explained that no invoice was provided. I had already attempted to contact the business numerous times to resolve this issue before filing this dispute with no answer. USAA abruptly closed my dispute and reversed the credit from my account with no correspondence or explanation either by phone, e-mail, or in the app. After several calls to USAA I provided a letter detailing the steps that I took to try to resolve this with the business including detailed reports of other victims of fraud. It was readily apparent to me that USAA neglected to act on behalf of my interests during the dispute by failing to contact the vendor. I have requested to speak to the investigating officer with no return call from USAA. They have apparently quietly opened the investigation again but there has been no explanation to their failure to investigate this matter thoroughly.
Product: Money transfer, virtual currency, or money service

Marcus by Goldman Sachs promised that the transfer was sent and deposited when it was not. The funds were sitting in review for an entire unbusy day. I called and they said they forgot to send it and it was sitting in review until someone got to it!!!
Product: Checking or savings account

On XX/XX/XXXX I received an email from who I thought was a Chime Representative. However, it looked like a Spam account so I reached out to Chime in an effort to verify. I was informed that Chime would send out emails from support@chime.com and the email I received was not credible. I ignored the other email and on XX/XX/XXXX my account was locked. I contacted Chime once again and provided my Driver 's License, Water Bill and a Pay Stub. However, my account is still locked at this moment and I don't have access to my money. There is {$30000.00} in this account. Ive contacted Chime several more times via phone with no resolution. I've used this account since XXXX as a savings/emergency fund account and now they have locked it and taken away all my savings. This is theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, And XXXX XXXX XXXX Account 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
Product: Money transfer, virtual currency, or money service

During my normal course of business, I received 2 wire transfers from a customer that was large, for a total of {$290000.00}. The money was received w/o any incidents or delays, and I was able to use the some of the funds ( about 50K ) and meanwhile 2 weeks have gone by. Out the blues, on XX/XX/2019, Bank of America decided to close my account without explanation and creating a hostile environment b/w any bank phone operators and myself. I travel a lot in my line of work, and when I finally came back to town, I was able to visit real live people that were very helpful but told me that the bank CAN and INDEED close my account for " suspicious behavior ''. This was one of the many different excuses that I was given over the phone, they ( BofA ) always had a different answer when I call. I know now that, the money was retained as " HOLD HARMLESS '' for an unknown reason or explanation from the bank. This situation makes me feel like I am doing something illegal or criminal, which I AM NOT. I will enclose all the transaction history that proves the legitimate nature of the wire. something that the bank has REFUSED to verify. I can not stress how damaging this situation has been to my business and my finances, I create around 10 % of wealth from that money which creates jobs for other people and my income. BofA has damaged my reputation and business practice with incredible malice, for which i have not gotten even a phone call. I have called repeatedly their corporate security dept. which is the instructions given anytime I call or visit ( Ph XXXX ) and all you can do with that number is to leave a message with a misleading promise that they will call back. I even, went to a lawyer to explore my options, and I will include a document describing their opinion. I can not believe in this day and age of fast moving business, that a banking partner like BofA will attack us with such XXXX like tactics and even threaten to NOT RETURN my hard earned money ( see letter attached ). All the while nobody in the bank takes responsibility for the cost and injury it has caused me.
Product: Credit reporting or other personal consumer reports

I had fraudulent loans put into my name that damaged my credit. Experian said that I had to sign over 50 % of my patents to XXXX in order for them to fix my credit and said they only care about big companies as I am a XXXX. 

Enclosed are the identity theft accounts committed against me by XXXX XXXX XXXX  and XXXX XXXX  Fix my credit immediately and block account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/year> someone ( identity theft ) took out a loan, the amount of {$4900.00}. 

I reported it to my local police department and I have a copy of my incident report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank ( Select Portfolio ) is not reporting my mortgage payments to any of the 3 credit bureaus. I called several times, each time i was told to get reaffirmation letter, i called several attorneys for legal advice and i was told its too old to get reaffirmation letter, i filled XXXX  XXXX in 2014, bank is asking letter from that 2014 XXXX  XXXX case, i only need bank to report my payments to all XXXX credit bureaus. 
My loan was transfered from XXXXXXXX XXXX XXXX to Select protfolio more then 2 years ago. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize nor did I authorize it. I have never received any funds from them nor any lines of credit issued or utilized by myself. I never verbally or in writing gave anyone from the below companies permission to use my Personal information privately or publicly or in any sense to share. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and this statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, XXXX XXXXS. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX, XXXX XXXX XXXX XXXX