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

Below is information Ive identified on my credit report that needs to be deleted from your records immediately. Please see attached letter. 

Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 168
1 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.
Product: Credit reporting or other personal consumer reports

NOTICE was sent to the 3 major CRAs and they are all NON COMPLIANT and YOU ALL HAVE EXHAUSTED THE FOUR 4 BUSINESS DAYS TO BLOCK PER THE FCRA. YOU HAVE BEEN WARNED!!! 

PROVE BY WAY OF A PUBLIC LIEN AND XXXX FINANCING STATEMENT THAT I OWE YOU A DEBT. YOU ARE FALSILFYING RECORDS THAT ARE INJURING THE TRUST AND THE TRUST BENEFICIARIES!!! 

I asked for production, do you have copies of all of the accounting for the history of this account? Bills of Particulars these complaints are evidence of AGGREGATED IDENTITY THEFT!!! 
pending complaints since XX/XX/XXXX XXXX - TransUnion XXXX XXXX Experian XXXX - XXXX DEFAMATION IN THE LIBEL. REMOVE THIS NON PUBLIC INFORMATION REPORTING AS IT IS INJURING ME PREVENTING ME FROM FEEDING MY FAMILY & BUYING A HOME. THIS IS A BREACH OF TRUST YOU HAVE NOT SPOKEN TO ANY OF MY NEIGHBORS, FAMILY, FRIENDS NOR CO-WORKERS as part of a CONSUMER INVESTIGATION, RE-INVESTIGATION REPORT You are also violating laws by including specific factual information relative to the EXPERIENCE between the CONSUMER and CREDITOR!! 

You are in violation and see the above cited complaints for the minimum violations fines and penalties you have now subjected yourselves to!! 

You have been served NOTICE REVERSE THESE LATE PAYMENTS AND UPDATE STATUS TO : PAID. NEVER LATE. - XXXX XXXX XXXX XXXX XX/XX/XXXX {$32000.00} - XXXX is violating Federal banking and accounting as no bank can place any liens on any collateral or assets and PRETEND to extend a loan. Also no banks can extend loans or credit from THEIR OWN CREDIT ... XXXX XXXX XXXX whose CREDIT was actually used to finance these transactions? XXXX where is the evidence in your Indenture and Prospectus that I OWE YOU SOMETHING OF VALUE AND WHAT MONEY WOULD ONE OWE YOU PER THE CONSTITUTION OF THE UNITED STATES??? XXXX you are in possession on NON PUBLIC personal private information in error XXXX XXXX due to no parties demanding there be a signed XXXX form before ACCESSING THE SOCIAL SECURITY NUMBER. You did not get proper legal CONSENT. Therefore do whats in the best interest of the Beneficiary of the Public Trust and this Trust relationship for which you are generating GAINS misusing the TRUST without having given its Beneficiaries full disclosure and payments received generated by the use of the social of the Trust. 

THIS IS IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report where I discovered that XXXX XXXX XXXX XXXX ( Capio Partners LLC ) ( account opened XXXX ) notated an account ( Medical Bill {$1500.00} ) as Charge off /Collections on my profile. It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No charge off /Collection should be listed on a consumer report without written consent and an adequate notice antedating 7 years.
Product: Debt collection

Nationwide collection keeps harassing my phone. They call everyday from different numbers. I do not have an account with these people and on my honor I have no debt so I dont know why they are harassing me. Never had an account with them. These are the numbers they have called from : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries showing on my credit report XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Debt collection

{$11000.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$320.00} XX/XX/XXXX Collecter : Medical Data Systems DBA Medical Revenue Service Original biller : XXXX XXXX The above three amounts are all from the same medical procedure. The dates following each are when the accounts were open. These numbers/dates are followed by the name of the debt collector, then the name of the medical facility where I first incurred this debt. 
I had a medical procedure in XX/XX/XXXX. I was assured that it was entirely covered by my XXXX and signed all the required documents to have my insurance billed. This procedure would never ever have been done if I had been told XXXX   wouldn't cover it and as far as I knew - until very recently - it was. I didn't receive a bill nor a phone call from the doctor 's office. I imagine if there was a problem with a patient 's bill, especially when that patient is a XXXX recipient, a medical office would feel obliged to contact their patient and let them know they could possibly owe over {$12000.00}. I am devastated. I've been working towards rebuilding my credit and recently got it above XXXX after it being over XXXX lower last year. I have no reason to believe XXXX didn't pay for this XXXX and, by the looks of it, I'm being held responsible for the entire cost. This is not ok. My husband ( who is XXXX ), my son and I live in subsidized housing and have to try hard to get by. This procedure was a elective XXXX XXXX. I would have happily found other forms of XXXX XXXX if I thought I would have to deal with this disaster. I am just so upset and as I said, as far as I know, this was covered by insurance! It was discussed with my doctor and the secretary and I NEVER RECEIVED A BILL
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went shopping for a car and multiple inquires were placed on my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My cashapp debit card was stolen, card was used at an atm at a location unknown to me. {$600.00} that was just sent to my cashapp was then withdrawn from said unknown atm and location. Told cashapp my debit card associated with my cashapp was stolen and no idea where it was. Said I had people over who knew I was waiting for the payment as it was for school. And knew how much it was for. Cash app refuses to refund the missing money and has denied all of my requests in less than XXXX hours of submitting each claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third Bank indicated late payments in spring 2019 which are not accurate, the bank changed the loan payment date without notifying me. This is showing as a delinquent account open on my credit report. I resolved this once I became aware. All payments have been made and in the correct amounts ( almost all payments are more than the minimum monthly payment ). I called the bank and spoke to several people who all agreed that the account was not delinquent. However, all told me they could not assist with removing the open collection indication from my credit report because they did not know how to do that ; they told me they could only assist if my account was actually delinquent. The bank also claimed to not have a legal department. 
The bank then advised me to contact the CFPB for resolution.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I am writing to this company the XXXX time to dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 7 letter and dispute I have sent to this creditor along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditors violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 7th notice to this company notifying you guys that these listed accounts are fraud. My information isnt protected, and this creditor/company isnt honoring my identity theft claim. I am now pursuing litigation, I am suing this credit company, for AGGRAVATED IDENTITY THEFT, ILLEGALLY FURNISHING FRAUD ACCOUNTS ON MY CREDIT PROFILE, PAIN AND SUFFERING, AND DEFAMATION OF CHARACTER. This company did not honor my consumer rights as a citizen in America regarding my consumer credit file, this company ignored not 1, but 7 documented and certified complaints and letters regarding my identity being compromised. Under stated consumer rights law this company didnt protect, honor, or respect my claim and rights. I provided evidence, police reports, FTC reports, and supporting valid identity documents to verify myself throughout this 6-month process. This company did not honor my rights or acknowledge my supporting documents regarding identity theft. I was XXXX for 10 years with proof when all these accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt. 

I DID NOT OPEN OR AUTHORIZE THESE ACCOUNTS, NOR WAS I INVOLVED IN ANY TRANSACTIONS ASSOCIATED WITH THESE ACCOUNTS. UNDER XXXX U.S. CODE 1028 ( AGGRAVATED IDENTITY THEFT ), THE USE OF MY IDENTITY WITHOUT MY KNOWLEDGE OR CONSENT TO COMMIT FRAUDULENT ACTIVITY IS A SERIOUS FEDERAL CRIME. THIS COMPANY IS CONTINUING TO COMMIT A CRIME BY FUNISHING AND REPORTING ACCOUNTS UTILIZING MY IDENTITY WITHOUT MY CONSENT AFTER I MADE THIS COMPANY AWARE OF THE FRAUD, AND IDENTITY THEFT. THIS COMPANY BY LAW IS IN VIOLATION OF MY RIGHTS, AND THIS COMPANY IS A SUSPECT IN THIS IDENTITY THEFT CASE.
Product: Debt collection

On XXXX I Received an alleged debt collection letter from XXXXXXXX XXXX XXXXXXXX that I owe {$5400.00}. 
I responded on XXXX disputing and requesting for a validation letter not a verification letter for the alleged debt. 
2. Requested original contract showing I agreed to pay for the alleged debt. 
3. A copy of chain of title that grants XXXXXXXX XXXX XXXXXXXX authority to collect. 

On XXXX approximately XXXX XXXX there was a repetitive loud banging on my door which startled my family and I.. A gentlemen was there with a set of papers and didnt want to identify himself. At this time of the night to hear loud banging and not knowing who or why theyre at my house was a big concern since they didnt want to identify themselves. They threw the papers in front on my door step. I waited about 20-25 minutes for them to get into a white suspicious vehicle that finally took off. I opened the door again and it was a summons from XXXXXXXX XXXX XXXXXXXX. Im dont think those are reasonable hours for any type of business to send out their employees and harass people by aggressively banging on their doors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to XXXX It has been over 30 days and XXXXXXXX XXXX XXXXXXXX XXXX has chosen not to take any steps towards addressing billing errors that are being reported at late payments from their company. My original complaint ( XXXX ) addresses the adverse action that XXXX XXXX had been taking against me. There are 3 inaccurate and false late payments furnished on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Pursuant to XXXX5 USC 1666b ( a ), A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. XXXX was also required to adopt reasonable procedures to insure my periodic statement was delivered to me no later than 21 days before the payment due date because I know I never received one. If XXXX can not confirm when a statement was sent and I can confirm that I never received one then the basis on which the account was marked late is erroneous. 

I was just denied an extension of credit because of these inaccurately furnished late payments by your company. I have never been late on this account. These inaccurately furnished late payments are an invasion of my right to privacy and is causing me severe stress and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 3. The following personal information is incorrect Also Known As : XXXX XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. The following personal information is incorrect Previous Address ( es ) : 7 XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX 13. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XX/XX/XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX error_outline
Product: Mortgage

Up to XXXX we have made every payment we were supposed to under the forbearance agreement and then when the forbearance was over gave them XXXX XXXX dollars ie. three regular payments even though we were rock solid on the XXXX a month forbearance terms. We wrote you before with recordings because we did not understand what was going on and included recordings. They have tried to put us under a forbearance plan stripping us of all federal protections which we call and rejected. They have ignored the rejection and though nothing was signed electronically and though I called and said no, insist on this illegal plan. The letter states if you do not agree with the forbearance do not make the first payment. We will not be making the first payment but will be resuming regular monthly payments. You are my witnesses and documentation that we are not agreeing to go into a XXXX XXXX dollar a month repayment plan for six months that strips us of federal protections when we are only XXXX XXXX dollars behind. We will be resuming regular payments not their plan. Thank you
Product: Checking or savings account

I open an account with  Nationwide  Bank on  XXXX   XXXX , in  XXXX   XXXX  my daughter received a check for  XXXX  dollars from her taxes, I place the check on my account. The bank cashed the check and frozen my account. I sent them all requested paperwork, proof of address, my completely life to the email provided, and asking to please open my account to be able to withdraw my daughter money or to reverse the transaction to the original check sender. My daughter lost the  XXXX  tax money return. On  XXXX   XXXX  they reopen my account and I find they taken $  XXXX  monthly maintenance fee for the account, for about 12 months, I sent to my daughter via bill pay {$1000.00 } (  same name on the original check cashed by the bank ) they frozen my account today, again and start asking for the same paperwork I s ent one year ag o. I promptly sent all to them including the original check in my daughter name copy. Nothing at the moment, they have my money about  XXXX  in hold. These people are thieves, they account said they accept third part checks, I never overdraft this account. I need to recover my money, I do n't have money for hires a lawyer. Every time I call they told me I will receive a response within 2 days, is not true, the last time they told me that the bank keep my money in hold for 12 months!   I sent them my address proof, citizenship proof, the original check images, in my daughter name, also I have all correspondence via email from and to the bank.   Please help me!
Product: Vehicle loan or lease

CAPITAL ONE AUTO FINANCE has not been reporting my loan to the CRA 's for over a Year and closed out the account as a charge off and profit loss. I have not received a 1099C for the profit loss of the loan as I am responsible for the tax liability and will report the issue to the IRS as well. Enclosed is a cease and desist order and an affidavit of truth was sent to them over a year ago and I didn't get the proper response to the affidavit sent in my prior CFPB complaints. They are in default of the affidavit as I never received a proper response as an affidavit can only be rebutted by another affidavit in which I never received that puts Capital One Auto finance in default and everything stated in my prior affidavit stands as truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is stating that the court is the data furnisher of the bankruptcy however this is inaccurate information because the court mailed me a letter stating that they do not verify bankruptcies. Under the FCRA any inaccurate information must be removed after investigation. XXXX and XXXX  sent me a letter showing the removal of the bankruptcy. I sent over verifying documentation from the court to Transunion to verify this information. Please delete this information. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2022 -XXXX XXXX XXXX XXXX ) - XX/XX/2022 XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I went to centuryarms website to purchase a firearm. I was then told to send my payment via zelle. I sent {$640.00} via zelle. That was the last I heard from the business. It appears the business created a cloned website of the actual business and tricked people out of their hard earned money. I contacted Bank Of America who I sent the zelle transaction from and they essentially told me I was out of luck.