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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
XXXX credit bureau has not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account BK OF AMER. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
BANK OF AMERICA, N.A./ BK OF AMER XXXX Date Opened : XX/XX/2015 Balance : {$1000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( XXXX ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account ending in : XXXX To Whom It May Concern : On XX/XX/2013, I made an uninformed decision when I entered in this consumer credit transaction when there was no evidence of indebtedness. The only evidence of the debt was the agreement but that agreement is null and void because i did not understand its meaning, it was not clear and conspicuous according to 15 USC 1601 ( A ). 15 USC 1602 ( K ) also states that such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Bank of America has taken of advantage of me and violated my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB is knowingly allowing credit reporting agencies to violate the laws set to protect consumers under the FCRA sections 609 & 611. On XX/XX/XXXX XXXX  was mailed certified another dispute to remove inaccuracies from my credit file. On XX/XX/XXXX after no response, I filed a complaint here to no avail. CFPB set to protect consumers advised on XX/XX/XXXX they are allowing XXXX to violate the law further by providing an ADDITIONAL XXXX to respond. This is insane! How can consumers be protected if the protection is ALLOWING them to break the law!? I will not cease until action has been taken to make creditors and agencies uphold the law set to protect consumers! 

XXXX was advised to show procedural proof and contact of the those furnishing this information. I have attached the letter of suppression from XXXX XXXX which advises they are not providing public verification as well as a statement DIRECTLY from The XXXX XXXX Georgia Bankruptcy court stating verbatim that they DO NOT VERIFY OR SPEAK TO ANY CREDIT REPORTING AGENCIES! And another template letter from XXXX  dishonest stating that they in fact verified the information from the court directly!
Product: Mortgage

My loan was originated XXXX last year by XXXX XXXX XXXX  XXXX ( XXXX ). It was sold early XXXX. I made my XXXX payment to XXXX as I was not aware at that time that my loan had been sold to Mr. Cooper. 
I found out about my loan transfer in late XXXX. I went on Mr. Cooper 's website to register for auto payment for XXXX mortgage. Then i found out that my account had not been credited with the XXXX Payment. I contacted both Mr. Cooper and XXXX about this issue. XXXX claimed they have sent the payment to Mr. Cooper. Mr. Cooper is claiming they did not receive the payment. This happened on a conference call I was able to get after having been tossed around for weeks, and several hours of phone calls to resolve this. 
XXXX is not helping me to resolve this issue. Mr. Cooper is harassing me with default notices. They will not allow me to pay the XXXX mortgage until the XXXX balance is settled. 
I have been suffering sleepless nights and near XXXX XXXX as I am being taken by one of these two companies. My excellent credit rating is in jeopardy. I am afraid of losing my home. The life I have sustained by my excellent credit is in jeopardy. 
I did not ask for my loan to be sold. I feel crushed under the weight of these two companies. Do I have any legal recourse? 
Thanks XXXX XXXX
Product: Debt collection

I was under contract for a home I rented from XXXX with XXXX XXXX XXXX. I fulfilled the contract in full in XX/XX/XXXX and went on to a month to month contract due to purchasing a new home. I purchased the home XX/XX/XXXX and left the rental property with no money owed or contract. I have a verification of rental form filled out and provided from XXXX XXXX XXXX that show my contract length and payments history that was provided to my lender for proof i was not under contract so it would not go against my debt to income ratio. I also have corresponding emails from my lender and XXXX XXXX XXXX clarifying i was not under contract nor would take on any late payments due to me moving out and the response from prime is clear that i was not. About 2 weeks after I moved out I was contacted by my lender that said a individual from XXXX had contacted them and told them i was under contract and being sued. My lender contacted me and provided me with all emails and Rental verification form for my personal records in case this was true and i would have the proof that shows i really was never under contract. Fast forward to XX/XX/XXXX and i have a collections account from Hunter Warfield in the amount of {$10000.00}. I called and spoke with the collector and submitted all documents that clearly show i was not under contract and month to month when i moved out. I filed several! dispute with Hunter warfield and they claim i had a contract and sent me a contract in the mail with the finding that i am liable for the collections. Upon reading the contract its a Electronic document with E signatures of my name. Not one actual signature of mine.So that dispute was unsuccessful so i disputed it 2 times with XXXX  with all documentation i have and they are still unsuccessful because Hunter Warfield is still claiming its accurate information. I really am extremely disappointed and this is not fair or right at all. Im not sure what to do now? Please help!
Product: Vehicle loan or lease

I have been violated repeatedly and ignored by Kia Finance America/Kia Motors , and they refuse to send requested documentation. I have requests Debt Validation and Debt Verification and they refuse to comply by sending my requested documentation. I have sent other requests as well such as Right of Rescission, Billing Error Notice, 2 notarized Affidavits of Truth, Notice of Default and Opportunity to Cure, Debt Validation not verification. 

They continue to violate my federally protected consumer rights.
Product: Credit card or prepaid card

A purchase from XXXX using XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$500.00} failed. The money was taken off the card and should of been returned to the card when the purchase failed at the money center terminal. IT did not! 

The money missing has been acknowledged by XXXX/XXXX due back to me but the replacement giftcard which they sent me is supposed to be loaded with {$500.00} refund ( card ending XXXX XXXX ) .... can not be used. 

I HAVE CALLED AND EMAILED RELENTLESSLY they will not respond or give me the same response over and over that it will be fixed in 24 hours. 

It is XX/XX/XXXX, they took my money XX/XX/XXXX. So many hours spent on the phone telling the same story over and over, no one at XXXX cares. 

Dispute now ongoing with XXXX is # XXXX XXXX ( this Dispute started out as # XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau, these inquiries remain on my credit file. 
As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 

XXXX XXXX XX/XX/year>, XXXX XXXX BANK XXXX XX/XX/year> 2023
Product: Credit reporting or other personal consumer reports

I've recently checked my credit profile and discovered inaccuracies in several accounts. I'm asking for my credit report to be brought into Metro-2 compliance. I know the credit reporting laws require bureaus to report only 100 % true, accurate, complete, timely, and proven credit information. I'm requesting the removal of any challenged or disputed misinformation, including any aspects of unproven reported subterfuge.

I don't authorize the bureau to report not proven compliant information and demand the removal of any non-compliant information by full and permanent deletion or adequate testimony to the document certification of their obedience to Metro 2 data reporting regulations. Failure to do so will lead to my determined and rightful civil actions to seek monetary resolution through a court in my jurisdiction. I'm asking the bureau to authenticate and avow corporeally to the absolute genuineness, accuracy, allness, accordance, and adherence to all federally composed legislative documents related to the now officially challenged allegations of account.

ACCOUNT IN QUESTION : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I requests verification of certain items and is asked to provide physical proof of verification. I requesting a complete credit report and are grateful for the prompt attention and cooperation.
Product: Debt collection

I got a credit card with XXXX and I lost my job shortly after. I tried contacting XXXX to explain why my account had got into the late status. I contacted them and was told the department I needed to speak with was n't available and they would call me back. I never heard back. I then received a letter form Cooling and Winter LLC in XX/XX/XXXX notifiying me that XXXX had hired their Law Firm and for me to contact them in 30 days if I was denying the debt from a XXXX. I received a statement of claim from magistrate court of XXXX county Georgia on XXXX XXXX 2017. I have repeadly tried to contact the attorney on the paperwork and only spoken with them once. I was told to contact them again once I had made my decision or made a counter offer and I have since contacted them on Wednesday XXXX XXXX 2017 at XXXX XXXX Friday XXXX XXXX 2017 at XXXX, XXXX, XXXX, XXXX XXXX All of these times i have left voicemails. I have also emailed them multiple times and the attorney XXXX XXXX XXXX said she would forward my emails for him to call me back and he has n't. The man I have spoken to on Wednesday XX/XX/XXXX at XXXX XXXX XXXX XXXX his name is XXXX XXXX with Cooling and Winters LLC. I was told I had to give them an answer by Tuesday XXXX XXXX 2017 whether it as going to agree to payments or agree to the amount they offered for a settlement. I was told by XXXX XXXX that I could counter offer their settlement which I was trying to do by my repeated attempts of phone calls voicemails and emails. I left the amount of my counter offer in an email and on a voicemail. I was threatened that I had to answer by XX/XX/XXXX which is not 30 days after I was served
Product: Debt collection

I have recently been a victim of a Identity Theft. As a result, I filed a report with FTC, Ohio State Attorney General and other local agencies. This, unfortunately, is the 2nd time as someone filed Federal and State IRS taxes, fraudulently in my name. The Feds and State have records of this.

Well, this recent Identity Fraud involved filing Unemployment Claims in my name. This is under an active investigation. With this being said, I was instructed to pull my credit report. And to my surprise, this Company Plaza Services was reflecting with a {$2800.00} balance. 
I do not know this company or what this said, debt is from. 
When I looked them up and called them to verify and validate thisdebt, the rep REFUSED to do so. 
She said they do not have any info on this debt, such as original dates, payments, amounts owed or collected on. She couldnt give me any information as she said, they dont have to, if I wanted tosettle, I could, but she wouldnt give me any other information. 
This is reflecting on my credit report and as a victim of Identity Fraud and in compliance with Fair Debt Collections Act, I am entitled to this information. 
I want this removed from my credit and thisdebt collection company investigated for violating my rights in addition to unfair and unlawful business practices
Product: Debt collection

I have never done business with Plaza Services. I do not have a signed contract not any contract with Plaza Services. I have a right to demand a copy of such contract between Plaza Services and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

First National Bank of Omaha has illegally pulled my credit. They stated they receive on a monthly basis an update of my consumer file. I have NEVER consented to such thing. 
First National Bank of Omaha pulled my credit without my authorization. And made an adverse action against me. I did not give XXXX nor any of its agent 's permission to furnish a copy of my credit file on XX/XX/2022. XXXX has used the information illegally obtained on XX/XX/2022, and decreased my revolving credit limit. Not only was this credit pull unauthorized, but it was a violation several FRCA laws. You've stated the reporting agency played no part in our decision, yet you did a soft pull on my credit report and used to information provided as a reason to decrease my credit limit. Your policies do not override the law. You MUST get written or oral permission from the consumer who's information who you wish to obtain before you pull a credit report. Also said collections account being reported is a result of identity theft. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 4. 15 U.S. Code 1681B ( a ) ( 2 ) Since the letter you sent me dated March 19, 2022, is both a proof and evidence that I have been discriminated against, you are also criminally liable. XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Attached to this initial attempt to rectify, is an proof of violation and invoice to collect actual damages for said violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, AND XXXX  ARE FULLY ENGAGED IN XXXX FRAUD AND MISINFORMATION CAMPAIGN AGAINST XXXX XXXX  AND ALL USA MINORITIES. XXXX  XXXX XXXX PURCHASED A CREDIT CARD ACCOUNT FROM XXXX  XXXX. XXXX IS REPORTING THE DATE OF PURCHASE AS THE DATE OPENED. THE ACCOUNT DATE AND STATUS DOES NOT CHANGE WITH PURCHASED ACCOUNTS. THE ACCOUNT WAS REPORTED BY XXXX  XXXX DATE OF FIRST DELINQUENCY AS XX/XX/XXXX. XXXX IS REPORTING THE DATE OPENED AS DATE PURCHASED XXXX, XXXX. XXXX IS ALSO REPORTING A CLOSED ACCOUNT BY MARYLAND STATE LAW OVER 3 YEARS OLD MUST BE REPORTED AS CLOSED BECAUSE THERE IS NO LEGAL OR LAWFUL REMEDY TO RECOOP DISPUTED MONETARY ACCOUNTS. XXXX, EQUIFAX AND XXXX  ARE KNOWNL PURPOSELY REPORTING FALSE AND MISLEADING INFORMATION TO INJURY MY CREDIT RATING FOR WHICH I WILL SEEK DAMAGES.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$26000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$2900.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

These are charges on carecredit for XXXX services. It was for myself and wife. Wife passed away in XXXX. It was paid! Carecredit sent it to a third party agency called XXXX XXXX XXXX. This needs to be deleted off my reports. I am XXXX XXXX XXXX. It will not be paid even if I do owe it.
Product: Checking or savings account

On XX/XX/XXXX, 2 wire transfers were made from my Checking Account, 1 for {$27000.00} and 1 for {$2000.00} without my authorization. I was notified my password to my account had been changed and that these transfers had occurred by email. At the same time, my cell phone stopped working ( it would not get service or make calls ). It was later believed that this may have been connected with the bank fraud in question. I was not able to change my password and log in to my bank without the use of my phone. On XX/XX/XXXX, I was able to get my phone fixed, and thus got access back to my bank. I spoke with people in their fraud departments and filed a report which is currently under investigation. I will need to go to the bank on XX/XX/XXXX ( after Monday 's holiday ) and open a new account and then hope that the investigation has a positive outcome so that my money can be returned to me.
Product: Bank account or service

The wrk before XXXX I made a math error with my checking account. This should have resulted in XXXX NSF fee but instead my bank Wells Fargo paid the largest to smallest transaction resulting in almost {$500.00} in NSF fees. I reached put to them and spoke to XXXX employees who had no sympathy and rudely stated that is their policy and basically too bad! Then on Tuesday I reported XXXX fraudulent transactions and not only did they pay them they charged me XXXX more NSF fees and they had no recollection so now they have almost {$600.00} of my money. I know other banks in the area do not engage in these practices and XXXX bank actually resolved a class action suit for engaging in these practices! 

I am hopeful that you can assist me in recovering my money. 

Thank You!
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 XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX # 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: Credit card or prepaid card

I miss paying XX/XX/XXXX payment but paid it today, said fee was waived but would come off balance, but would pay double payment in XXXX of {$60.00}. Paid . XXXX XX/XX/XXXX the normal payment is XXXX $ but it went to XXXX $ which includes XXXX,, I paid XXXX XX/XX/XXXX and ask for waver of late fee but is taken off balance but my XXXX bill will be XXXX $ which is still XXXX $ but yet the late fee is surprised to be removed. Im still paying a double payment in XXXX