23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Once again, I must assert that I have fallen victim to identity theft, prompting this subsequent plea for the removal of erroneous information from my credit report. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are mandated to expunge such items within four business days of receipt. Furthermore, certain details on these items remain unfamiliar to me, and while they have been removed by other bureaus, I remain skeptical about their accuracy. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$8600.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

Company response to previous CFPB complaint, raised additional issue. 
Although my prior CFPB complaint with the company was responded to swiftly, the comlaint was closed without addressing the issues. 
The company miscategorized the previous complaint as being focused on whether or not I liked the vehicle and was able to voluntarily enter into the agreement when buying it. 

This raises additional issues, and as CFPB closed the prior complaint, it appears I must enter a new complaint to address these XXXX issues. 

Although I very much like the car, now that the Company 's prior response has raised the issue of whether or not I voluntarily entered the sales agreement : Oklahoma law seems to limit " who may contract '' in title XXXX, of oklahoma state law codified. 
As the company has chosen to make this the issue, I am deeply concerned that as a consumer who has made all payments in a timely manner, that I will be unable to keep the product purchased ( a 2013 XXXX ) simply because of having been adjudicated as insane. 
Since the Americans with XXXX act includes persons regarded as having a XXXX as protected by its provisions, I feel as though the company may be handling my complaint in an unlawful manner. 
Would a consumer not regarded as being XXXX have their complaints addressed properly instead of having the complaint issue in focus being shifted to their ability to enter into a contract or perform other daily life activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporing Act, I C System 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. 

With regard to I C System who is the collection agency responsible for an original debt owed to XXXX. 

First and foremost, I C System furnished my credit report to the credit bureaus for the purpose of investigating a dispute without my written instuctions which has violated both section 602 A and Section 604 A Section 2. 

Furthermore, the dates reported on my credit report are incorrect. The date the account is listed to have been opened is fraudulently reported. I have disputed this information with IC System in an attempt to rectify the incorrect dates appropriately, however, I C system continues to knowingly report false information on my credit report. 

Some versions of my credit report depict different account information than other version of my credit report reporting on this same account, a clear and obvious depiction that I C System is reporting incorrect information as I C System, themselves, can not even keep the information straight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my XXXX XXXX credit card collection in full. I sent the settlement document to the credit bureau and they did not remove the balance on the item. Their statement was that the investigation did not change the item. 

I have attached a copy of XXXX XXXX 's document that clearly says the balance would be reduced to zero. Why is Equifax making up their own rules to updating items in disputes? 

This is costing me hundreds of dollars in interest charges because of an artificially lowered score. It is negligent non-compliance at worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. FORD MOTOR CREDIT XXXX : XXXX. XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit reporting or other personal consumer reports

Experian is in violation, late payments are illegal according to 15 USC 1681a 2 ( A ) ( I ) under exclusions. I sent a letter to them which is attached to have the late payment status changed on XXXX23 to paid as agreed and yet they continue to violate the law.
Product: Debt collection

On XXXX/XXXX/XXXX, I submitted CFPB Complaint # XXXX. Dyck-O'Neal was attempting to collect on a debt that was a result of identity theft. The complaint was resolved, Dyck-O'Neal, agreed the debt was the result of identity theft, and Dyck-O'Neal deleted the credit line that appeared on my credit report. Two months later, Dyck-O'Neal issued me a XXXX indicating that it " cancelled a debt. '' I filed CFPB Complaint # XXXX, indicating that the issuance of the XXXX was in retaliation for my CFPB complaint. The following day, Dyck-O'Neal responded to the complaint indicating that the XXXX was issued in error, and that a corrected XXXX would be issued. In an apparent total disregard for the CFPB, Dyck-O'Neal appears to have sold / transferred the original debt that was the result of identity theft. On XXXX/XXXX/XXXX, four months after Dyck-O'Neal agreed to delete the credit line, I received a collection letter from XXXX , XXXX XXXX XXXX, XXXX attempting to collect the debt that was a result of identity theft, referencing both Dyck-O'Neal and the Dyck-O'Neal account number.
Product: Debt collection

I had an account with XXXX XXXX XXXX years ago and was in the market to add another job cause i wanted to make more money long story short I myself and handfuls of others were hired by a company who ended up writing bad checks. the user terms at that time was the check had to clear for XXXX business days etc because it was a new check etc. 
i didnt touch the money for over XXXX full business days it sat in my account so once i started to use the money all this info about the company came to light and XXXX  then well after their policy time frames removed all the money form everyones account and went after everyone because they didnt want to take the loss. 
my money and everyone member in XXXX was covered by FDIC at that time and that should have covered it but instead those froze anyones account who wouldnt pay and took every cent they had. they took over XXXX $ from me and locked my account the remaining amount was XXXX. they knew they couldnt really do anything so i said XXXX XXXX  i followed your policy, yall screwed up not my problem and just went back to my XXXX XXXX. fast forward years later heard nothing about nothing was going on well after XXXX eyars went by i started getting threatening letters saying i was going to be sued etc for the amount if i didnt pay it blah blah blah. they call while im at work ive told them long ago to stop and they just change the number they use etc
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

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 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Wyndham XXXX and Barclays Bank have been conspiring for years to defraud the consumers. Wyndham sets up small booths in XXXX and other places to lure people especially older retired people in promising a free cruise etc to just attend a XXXX hour meeting. The meeting is actually XXXX hours of extremely high pressure sales tactics using lies and deception to coerce victims into signing a 45 to 50 page contract committing to a {$36000.00} obligation on a timeshare which increases periodically and never ends. The contract is emailed same day and you dont have time to read any of it. We tried to walk out and were stopped at the exit and pulled back in being told to sign and we could leave. We signed and left XXXX next day we called to rescind and they said to come in next day Friday XXXX XXXX  XXXX day after signing and we returned and the office was closed. We called Monday and went in to their office to rescind and they said the rescind period was 3 days which was another lie as it is 5 days after 2 more hours of unbelievable high pressure sales tactics the rep said OK and placed a blank piece of paper in front of me and said Write what I say we are not interested in this as we can not afford it. My wife and I signed it and the rep said you are done and not obligated for anything but wouldnt give us a copy and we couldnt record anything while there. Unknown to us Wyndham has Barclays Bank issue a credit card and starts putting monthly charges on it we have never consented to that and have not received a card just bills in the mail which we ignore. A conspiracy by Wyndham and Barclays Bank. The credit card balance is increasing monthly and XXXX XXXX  DID NOT verify the validity of the debt before lowering my credit score from XXXX to XXXX. There are many factors which render the contract invalid one but not all is there was no consideration. We havent received anything and havent paid anything.
Product: Checking or savings account

I was made aware about XX/XX/24 about possible fraud on the account and I made attempts to report the fraudulent use during the month of XXXX and XXXX due to the hijacking of my email account XXXX that was being used to reset password and prevent my access to the account. American Express failed to change the email on the account after requests were made. The failure led to the amounts {$2300.00}, {$2500.00}, {$2000.00}, {$170.00}, {$45.00}, XXXX in which {$45.00} was made through unauthorized charges, and the funds were transferred to another account using my name and a 2nd email XXXX on XX/XX/24. {$2600.00} initially went missing prior to this occuring were a sub account was closed after money was transferred and the reopened to complete the larger transactions XXXX, XXXX. On XX/XX/24 {$2700.00} was returned to the account labled as funds reversed. The remaining funds were withdrawn from account XXXX and my bank claim to have no further information for where the funds went and have failed to rectify the situation. During this time debits cards ending in XXXX, in which one was rightfully issued to myself by the bank ; the second card made with the same numbers was used to make point-of-sale purchases and such fraud could date back a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the 3 Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX WY XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I disputed a collection account. Experian did not remove the account while they investigate. According to the FCRA 15 USC 1681 section 602 says that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers right to privacy. Experian is a financial institution per 15 UCS 1681 section 604 which says that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : " in accordance with written instructions of the consumer to whom it relates. '' Experian does not have my consent to furnish this information and they absolutely do not have my written consent. any and all consent Experian in any form ( written, verbal or implied ) is revoked. 15 USC 6802 ( b ) ( c ) states " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer i given an explanation of how the consumer can exercise that non disclosure option. '' Experian never informed me that i had a right to exercise my nondisclosure option. In addition to that 15 USC 1681C says Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is clearly in adverse action and they are reporting without my permission which is against the law. Now 15 USC 1681s -- 2 ( A ) ( 1 ) states " 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. 15 USC 1681e says that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Experian is not maintaining reasonable procedures. Oh yeah, 12 CFR 1016.7 states that i can opt out of reporting services at anytime, and i am opting out of XXXX XXXX XXXX  reporting to my consumer report.
Product: Prepaid card

I contacted the number on the back of my American Express Corporate gift card and they advised me that it is not their issue. They say you can use the card where ever the card is accepted however I am unable to use it since last year. I have been trying to use the card at XXXX which accepts the card however American Express keeps declining the card. I spoke to their customer service on XXXX XXXX XXXX and they will not help. They keep saying that it is a security issue yet is can not use the card that I have used on XXXX previously. I have read online tat this is happening to a lot of people and American Express will do nothing about it.
Product: Credit card

Some purchases were made for {$100.00}, {$420.00} and {$89.00} and all were returned to the Best Buy store and they issued their receipt and the credit to the Citibank Best Buy Credit Card is recorded, but said amounts have been in the state for more than 5 months. account and the bank and the store blame each other and no one has removed said amounts and they continue to bill me for them on the account statement. 

Correspondence and chat have been sent with bank support and they solve nothing, they blame the store The Credit card is only for purchases at Best Buy
Product: Mortgage

I paid off my mortgage XXXX the company took my last payment and applied it elsewhere than sent me a letter stating that I had default on my loan. I call my XXXX attorney to go over all the paperwork with me and the mortgage company.According to the loan modification XXXX this company is only entitled to 20 % of XXXX which would be XXXX telling me to pay XXXXmy attorney and I have been asking the mortgage company for a breakdown of the XXXX since XXXX and they kept ignoring the issue. my mortgage has been paid never missed a payment now they still want to hold on to my papers and deed the loan is paid off after 47 years of paying im sure you would like your deed.
Product: Vehicle loan or lease

I refinanced my vehicle loan from XXXX XXXX  to Navy Federal Credit Union back in XX/XX/2022. Prior to this, In the past I have refinanced a vehicle with Navy Federal Credit Union and the whole process was smooth and completed in a timely manner and Navy never had me running around trying to get the title to them or have them placed as lien holder. This time around Navy has been very difficult. They claimed that it was my responsibility to get the title from XXXX to them and that they had sent plenty of letters to me to inform me of such. I only received one letter titled final notice at the end of XXXX that my payment was increasing in XXXX due to them not being placed as lien holder on the title. Prior to this notice I never received a letter, an email, or a message when I log into my online banking portal informing me of any issue with title. Navy informed me that they still had not been placed as lien holder and that it was my responsibility to place them on the title. I have been forced to run through hoops to get this resolved. When I contacted XXXX XXXX  they stated that in no time was I ever going to be given the title because it goes from one bank to the other and Navy had not requested it from them. Then I was told by XXXX ( NFCU Supervisor ) that once Navy received the title from XXXX it would then be mailed to me by Navy so that I could go to the XXXX and request for NFCU to be placed as lien holder on the title and that my monthly payment would be readjusted to the original amount that I signed my refinanced contract for. I was also told that if I did make the larger payment, any difference would be adjusted and put towards the principle. When I called today to follow up on the status of the title I was informed they revived it and mailed it to me which I should receive in 2 to 3 days. I then inquired about the XXXX due payment and was asking for confirmation of grace period as well as how soon can they readjust my monthly payment and revert it back to the original amount. I was told that they would not readjust XXXX and I still need to make the larger payment and if I didnt they would take my entire XXXX XXXXXXXX that had been deposited. I explained Im a XXXX veteran and have limited funds and this is putting a huge financial strain on me when they were the ones that messed up. I also explained Thai is not what I was told by XXXX the supervisor which the representative then said that XXXX didnt inform me correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed seven accounts which were opened which are not mine on all three credit bureaus.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : 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 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

XXXX   XXXX   XXXX   XXXX  reported me as 30 days late on  XXXX   2017 . This was done in error and was supposedly corrected by them in  XXXX   2017 , but it is still showing on my account for Equifax. It has been removed for  XXXX
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removedprovided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX  inaction violates federal law and my rights as a consumer.